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Join the Gateway team! We have a job opening for an Application Specialist in the IT Department JOB SPECIFICATION Position overview: Under the direction of the IT Manager, the Application Specialist is responsible for the testing, training and implementation of all applications the credit union may invest in. Core Functions: The incumbent is responsible for: 1. Understanding all applications systems; conducting analysis and documenting user requirements specification for application. 2. Testing and troubleshooting all programs used by the Credit Union. 3. Consulting with users to gain an understanding of needed changes or modifications of existing programs. Resolves issues of program intent, data input, output requirements, and inclusion of internal checks and controls. 4. Assisting in the preparation, facilitation, and delivery of appropriate training in the use of application systems. 5. Producing user guides/help documentation. 7. Provide end-user support of core banking applications and other applications used by the credit union. 8. Prepare reports for the various departments using SQL (MS Access) MINIMUM REQUIREMENTS (a) Qualifications and Experience • Associate Degree in Management Information Systems; And Microsoft Certified Professional And Introduction to cybersecurity And\Or At least five (5) years experience working with enterprise applications (b) Required Skills and Specialised Techniques Experience working with relational databases to include MSQL & MySQL; Experience with using Systems Documentation Tools; Assists in system analysis and requirements specification documentation; Good analytical, troubleshooting, and problem-solving ability; Ability to effectively communicate verbally and written; Experience working with Credit Union banking platforms Experience in identifying security threats using establish tools and methods JOB DESCRIPTION Special Conditions Associated With The Job: Required to work beyond normal working hours. REPORTING RELATIONSHIPS Reports to: IT Manager Nature of Supervision Received: Direct Supervision Given To: (a) Directly - N/A (b) Indirectly - N/A Liaises With: Internally: All staff Externally: Web-host Provider Software and Hardware Suppliers/Providers RESPONSIBILITIES AND DUTIES APPLICATION SPECIALIST 1. Conducts analysis and documenting user requirement specification for application software. 2. Consult with users to gain an understanding of needed changes or modifications of existing programs. Resolves issues of program intent, data input, output requirements, and inclusion of internal checks and controls. 3. Liaise with software providers to ensure change requests are communicated in a timely manner, and that same is corrected accordingly or an alternative is received. 4. Assists in the preparation, facilitation, and delivery of appropriate training in the use of application systems. 5. Produces user guides/help documentation for applications developed. 6. Collaborate with various Managers and other IT personnel to improve existing processes, increase automation and meet strategic goals. 7. Support daily operations and monitoring of multiple databases, user accounts, file permissions, and other systems according to standard operating procedures. 8. Adheres to IT policies and operational procedures. 9. Assists in the review and make recommendations for changes to IT policies and operations. 10. Identify and recommends capacity development opportunities for professional growth; 11. Prepares and submits performance and other reports as required. 12. Support and maintenance of the core banking applications 13. Perform core banking system configuration, parameterization, version upgrades, and maintenance 14. Assist with ongoing I.T. projects 15. Provide support for the testing of new and existing software applications 16. Troubleshooting a complex transactional application system based on MS SQL 17. Investigate problems and other requests regarding the core banking platform and recommend appropriate actions to be taken. 18. Design, implement and maintain functional reports in MS Access (Relativity), Reporting Services 19. Monitor’s production system notifications and act accordingly to resolve urgent problems Apply Now! Want to join our team? Click here to apply now!

Thank you to our entrants! Follow us on Social Media to find out about the finalists, and look out for the announcement of the winner. Name of Competition Gateway Jingle Competition Duration of Competition April 1st - May 15th, 2021(6 weeks). The deadline for entry is May 7th, 2021, by 5 pm. Rules 1. Contestants must be following Gateway Credit union both on Facebook or Instagram 2. The top 5 contestants with the most likes and shares on Facebook or Instagram will be selected for a final assessment. 3. A Gateway Credit Union representative will then select the winner from the top 5 based on content, creativity, and flow. 4. The winner will receive a sum of $50,000 5. Tag Gateway Credit Union @gatewayjm in your posts both on Facebook or Instagram with the hashtag #gatewayjingle 6. Tag 10 of your Instagram and Facebook friends. 7. Video/jingle should be no more than 60 seconds 8. Jingle should include the name of the Credit Union (Gateway), products and services offered and their benefits, and the Gateway Credit Union tagline. 9. Jingle SHOULD NOT contain any expletives 10. Deadline for submission is Friday, May 7th, 2021, by 5 pm 11. The winner will be announced on Thursday, May 15th, 2021 12. Contestants may visit the website www.gatewayja.com for details on product and service offerings and competition rules 13. The winning jingle will be used throughout Gateway’s marketing and sales campaigns perpetually or as deemed necessary. 14. All proprietary rights of the jingle are reserved to Gateway Credit Union 15. Prize money is non-transferrable 16. Cheque or online transfers can ONLY be made payable in the name of the winner Winner receives $50,000! Tag us with #gatewayjingle

Terms and Conditions a) Must be a Gateway Credit Union Member b) Must start a Golden Harvest savings plan with a minimum of $3,000 for a minimum period of 2 years. Deposits of the same amount each month will be continued thereafter for the duration of the saving plan. c) The winner will not be allowed to withdraw or close the Golden Harvest Savings plan prematurely. d) Participants may choose to close their Gateway Credit Union account at any time throughout the competition period. e) Should an entry be selected from which a Gateway Credit Union account is closed or a Golden harvest Saving plan is withdrawn prematurely, then that entry becomes ineligible for winning. f) Members will complete the entry form with their names and telephone numbers and place it in the boxes provided at each location (20 Church Street, Montego Bay; 14 Marketplace, Fairview, Montego Bay; Main Street, Lucea; 2-4 Duke Street, Falmouth) g) Deadline for submission is Monday, May 31, 2021, by 3 pm h) The winner will be announced on Thursday, June 3, 2021 i) Winner will receive a MasterTech 15 KG front loader washer dryer combo including installation. Model # MTC151AW25E. j) Staff members are excluded from participating in this competition k) The winner of the competition will be required to sign an agreement to use their name and photo on Gateway Credit Union’s Facebook and Instagram page. Failure to do so automatically disqualifies that member from receiving the prize. A backup winner will then be selected. Only one(1) backup winner will be selected. l) Authorized under Section 58 (3) of the Betting Gaming and Lotteries Commission Act DATE OF SELECTION Thursday, June 3, 2021, at 3 pm at the Gateway Credit Union, Montego Bay Branch. CLAIMING PERIOD a) June 4-18, 2021 b) Winner must present a government-issued ID upon collection of prizes. Acceptable forms of ID including passport, driver's license, national identification. Save and Win a Washer and Dryer Combo!

We have a job opening for an Applications and Data Specialist in the Department of Information Technology(IT). JOB SPECIFICATION Position overview: Under the direction of the IT Manager, the Applications & Data Specialist is responsible for the testing, training, and implementation of all applications the credit union may invest in. Additionally, the Specialist is responsible for ensuring compliance of the applications used by the Credit Union to the Data Protection Act. Core Functions: The incumbent is responsible for: 1. Understanding all applications systems; conducting analysis and documenting user requirements specification for application. 2. Testing and troubleshooting programs utilizing the appropriate hardware, database, and programming technology. 3. Consulting with users to gain understanding of needed changes or modifications of existing programs. Resolves issues of program intent, data input, output requirements, and inclusion of internal checks and controls. 4. Assisting in the preparation, facilitation, and delivery of appropriate training in the use of application systems. 5. Producing user guides/help documentation. 6. Maintain up-to-date back-up of all company data. 7. Provide end-user support of core banking applications. 8. Prepare reports for the various department using SQL(MS Access) 9. Streamline user access levels and ensure IT system compliance MINIMUM REQUIREMENTS (a) Qualifications and Experience • Associate Degree in Management Information Systems or Network Security; And Certified Information System Auditor And Microsoft Certified Professional And\Or At least five (5) years’ experience working with enterprise applications (b) Required Skills and Specialised Techniques Experience working with relational databases to include MSQL & MySQL; JOB DESCRIPTION Special Conditions Associated With The Job: Required to work beyond normal working hours. REPORTING RELATIONSHIPS Reports to: IT Manager Nature of Supervision received: Direct Supervision Given To: Directly - N/A Indirectly - N/A Liaises With: Internally: All staff Externally: Web-host Provider Software & Hardware Suppliers/Providers RESPONSIBILITIES AND DUTIES APPLICATION Conducts analysis and documenting user requirement specification for application software. Consult with users to gain understanding of needed changes or modifications of existing programs. Resolves issues of program intent, data input, output requirements, and inclusion of internal checks and controls. Liaise with software providers to ensure change requests are communicated in a timely manner, and that same is corrected accordingly or an alternative is received. Assists in the preparation, facilitation, and delivery of appropriate training in the use of application systems. Produces user guides/help documentation for applications developed. Collaborate with various Managers and other IT personnel to improve existing processes, increase automation and meet strategic goals. Support daily operations and monitoring of multiple databases, user accounts, file permissions and other systems according to standard operating procedures. Adheres to IT policies and operational procedures. Assists in the review and make recommendations for changes to IT policies and operations. Identify and recommends capacity development opportunities for professional growth; Prepares and submits performance and other reports as required. Continued review of users access levels to ensure compliance Configure user “EMAIL” settings to meet the requirements of the data protection act in all applicable jurisdictions. Continuous monitoring of all ITC systems, to identify and fix vulnerabilities that may arise from upgrades or updates and also to conduct frequent audits to ensure compliance and address potential issues proactively. Support and maintenance of the core banking applications Perform core banking system configuration, parameterization, version upgrades, and maintenance Support the ongoing projects Provide support for the testing of new and existing software applications Participate in the process of integrating and releasing new application/software functionality, ensuring all service acceptance and operational deliverables have been successfully developed and agreed prior to handover, through the formal change management processes Troubleshooting a complex transactional application system based on MS SQL Investigate problems and other requests regarding core banking platform and determine appropriate actions to take Design, implement and maintain functional reports in MS Access (Relativity), Reporting Services Manage requests for IT application/system access, ensuring full compliance to agreed security policies and procedures Monitors production system notifications and act accordingly to resolve urgent problems DATA 1) Educating the company and employees on important data compliance requirements. 2) Training staff involved in data processing. 3) Conducting system audits to ensure data compliance and address potential issues proactively. 4) Monitoring performance and providing advice on the impact of data protection efforts. 5) Monitoring, in an independent manner, Gateway’s compliance with the provisions of the Data Protection Act. NB: This document does not attempt to capture ALL the requirements for this position and therefore you can be assigned other related duties in keeping with the overall objectives of the Credit Department. To download a copy of the job specifications, description and details, please click below. Apply at https://www.gatewayja.com/careers/19c58df5-2c43-4f37-bd93-7cfa4444a5ca

GATEWAY CO-OPERATIVE CREDIT UNION (2017) LIMITED 20 CHURCH STREET, MONTEGO BAY, ST. JAMES NOTICE IS HEREBY GIVEN That the THIRD (3rd) Annual General Meeting of the Gateway Co-operative Credit Union (2017) Limited will be held at the Hollis Peter Lynch Multi-Purpose Bldg. Holy Trinity Church Miriam Way Montego Bay on Wednesday November 25th, 2020 commencing at 4:30 p.m. for the purpose of adopting: The Credit Union’s Financial Statements for the year ended December 31, 2019 together with the reports of the Board of Directors, Treasurer, Credit Committee and Supervisory Committee. Considering and if thought fit, passing the following resolutions: (a) Relocation of the Credit Union’s Registered Office address. (b) Transfer of Investment Reserves to General Reserves. Amendments to the following Rules: (a) Article 111 Rule 5 (xi), Rule 6 (iv), Rule 12 (a) and Rule 12(d) – Application for Membership. (b) Article XII Rule 61 (V) –Filing of the Nomination Committee Report. To elect Volunteers to the Board of Directors, Credit and Supervisory Committees. To consider any other business which may properly be transacted at an Annual General Meeting. Please note further: Due to Covid-19 restrictions, only 110 members can be accommodated at this AGM. We therefore invite our members to pre-register to attend by sending an email to info@gatewayja.com or by sending a message via WhatsApp to 876-822-6439. Messages should be sent no later than Tuesday November 24 ,2020 at 12:00pm and should contain the following information: Name, Telephone Number, Place of Employment and Account Number. Upon receipt of request, members will receive a response to indicate their registration status. In Keeping with the Government’s directives, the following protocols will be observed at this Annual General Meeting: Members over 65 years of age should not attend this meeting; • Members without masks will not be admitted and mask should be worn for the duration of the meeting; There should be no gathering of members before and after the meeting; Persons with elevated temperature will not be allowed to enter the venue (37.3C or 99.3F and above) Hand shaking is strictly prohibited No children will be allowed Signed Cleveland Parker Secretary NB. Registration begins at 4pm. Limited AGM booklets will be printed. Reports will be made available on our website. Refreshment will be packaged to go. #AGM #AnnualGeneralMeeting2020

To our Valued Members, Effective November 2nd, 2020 we will be transitioning to a new Core Banking Software in order to enhance our service experience to you. As a result, you will notice a number of changes as follows: Type of receipt and cheques issued Format of Loan forms Electronic signing will be required We ask for your understanding and patience as we seek to improve efficiency and service delivery.

Gateway Co-operative Credit Union's mission has always been to empower its members by providing excellent service and sound financial guidance. We continued this mandate with our 3-Day Virtual Conference which took place under the theme “Small Businesses … Going for Growth”. Surely, we’d have loved to engage physically with all our members but taking the conference online allowed us to keep energies high and introduce thought-provoking discussions while keeping our members safe! Our Conference was hosted from October 12- 14 to help kick off the much anticipated Credit Union Week 2020: Inspiring Hope for a Global Community. Great timing, don't you agree? We all could use a little inspiration during these tumultuous times. The week spanned October 11 - 17 2020, with International Credit Union (ICU) Day being celebrated on Thursday, October 15, 2020. Historically, ICU Day was celebrated in January with the Inception Date being January 17, 1927. The day emerged from a deep desire to establish an annual occasion to acknowledge the important role of the Credit Unions' in creating an opportunity for their members and communities, as well as the achievements of pioneers who laid the foundation for ongoing credit unions' success. In time, it would grow into a full week packed with exciting activities for the credit union and its members! Credit Unions’ Week is the highlight of our calendar, it's where we spotlight truly giving back to our members and building the communities we operate within. With such a special occasion upon us, we are eager to find new innovative ways to celebrate without compromising the health of our members. JCCUL Comedy Watch Party: October 11,2020 On Sunday, October 11 we streamed a Watch Party for the Jamaica Co-operative Credit Union League(JCCUL) Comedy Show which featured host Chris ‘Johnny’ Daley, as well as comedians Dahlia Harris, Chris Larmond, and Kathy Grant with a Special Guest Performance by Wayne Marshall. The evening was marked with laughter, entertainment, and giveaways to kick off Credit Union Week Celebrations. 3-Day Virtual Conference: October 12-14, 2020 Following an exciting Sunday afternoon, we began our 3-Day Virtual Conference, “Small Businesses...Going for Growth”. The Conference targeted MSMEs with the aim of empowering them with tools to help them grow their business, navigate these uncertain times and inform them of resources available to allow them to become more knowledgeable within their respective industries. Day 1: “Maintaining Good Mental Health in Times of Crisis” & “Estate Planning” To speak on this crucial topic we were joined by Dr. Charmaine Johnson-Garwood, Director of Clinical Services at Child, Adolescent & Adult Research, Evaluation and Support (CAARES) Psychological Services. She shared valuable advice on how to check in with yourself during these difficult times. Dr. Garwood also provided great insight into protecting your mental space, how to check on those you think might be struggling mentally and warning signs to look out for. For the following topic, “Estate Planning”, we were guided by Gloria Brown, Attorney-at-Law and Senior Partner at Brown, Findlay & Co., on how to prepare for the future and protect your family in the event of your incapacitation or death. We ended the day beautifully with an engaging Question and Answer Segment of the presentation. Day 2: "All You Need to Know about Business Planning" &” Taxation - What You Need to Know” We discussed our first topic with Charlieanna Bailey-Carey, Business Development Officer/Research Assistant at Jamaica Business Development Corporation. She provided viewers with useful information as to how to properly plan for your business’ future. Our next guest, Lavern O’hara Jenkins, Taxpayer Education Officer at TAJ explored "Taxation - What You Need to Know". Taxation is often met with high anxiety for most so having Ms. O'hara Jenkins breakdown down this often misunderstood topic was particularly helpful for MSMEs who had various queries about the subject. We facilitated our usual Question and Answer section with our experts which was met with much curiosity. Day 3: "Managing your Business...Managing your Finances" & "Driving your Small Business through Digital Marketing" On our final day we were joined by Nevada Powe, Chief Project Architect of the PSOJ's AFFP Project who presented on the topic "Managing your Business...Managing your Finances". Mr. Powe guided viewers through various strategies and tools they could implement to ensure they were operating their business and overseeing their finances in a way that was optimal. Following, we had a discussion on "Driving your Small Business through Digital Marketing", presented by Debra Haughton, Digital Marketing Strategist and Director at ImagenNation. This topic was particularly of major interest as Digital Marketing is a key tool that can be used to reach consumers you may not be able to reach physically during these times. We had our usual Question and Answer session which was met with much excitement. International Credit Union Day: October 15, 2020 On Thursday, October 15, International Credit Union Day, we distributed seedlings to our members across all branches (10,000 seedlings) as part of our Grow What You Eat initiative. We also did the handing over of our Herman Johnson and Bayley Haye Scholarships at our Fairview Office. Tablet Distribution: October 16, 2020 Finally, on Friday, October 16, we distributed tablets to some students in need in the western region. This endeavor was made possible through collaboration with the Social Development Commission. In light of Covid-19 certain protocols had to be adopted We moved our events online (Our Watch Party for the JCCUL Comedy Show and Our 3-Day Virtual Conference both streamed on Facebook Live In-house participants in our Conference were required to wear masks and were seated in a socially distant manner We handed out masks to in-branch visitors. Thank You to All Who Made this Week Possible! Overall the planned activities were a marked success and would not have been possible without our members’ active engagement. We would like to use the opportunity to extend our most sincere thanks to all parties involved and look forward to continuing to serve all our members. See A Recap Of Our Entire Conference

"Our number one priority is looking after our members" — Lambert Johnson, President of Gateway Co-operative Credit Union (2017) Ltd Dear members, Gateway will continue to devote all necessary resources to help ensure that you, our members, are able to conduct your business in a safe and comfortable environment, while maintaining all the services you can count on. As new developments emerge, we will share pertinent information to you about our plans. As communicated at our last Annual General Meeting held in July 2019, your Credit Union promised to undertake a number of projects to improve the services that are being offered to you. We now provide you with an update on these projects. FAIRVIEW BRANCH This new branch was opened in Fairview on August 10, 2020. It is located at Unit 14 The Marketplace, Bogue Estate, Fairview Montego Bay (just southeast of the Gwest Centre and almost next to the Sweet Spice Restaurant). We have ample parking and will be outfitted with a state-of-the-art drive-thru facility by January 2021 SAM SHARPE SQUARE BRANCH (to be relocated) Having found the cost to repair/renovate the Sam Sharpe Square Branch prohibitive, the building was sold. Therefore, our new Head Office and branch operations will be at 20 Church Street, Montego Bay effective Monday, October 5, 2020. Concurrently, we have negotiated to purchase the adjoining property at 18 Church Street which will house parking and drive-thru facilities once approval from the relevant authorities is obtained. Please note, however, that this new branch is still undergoing renovations and we want to apologize beforehand for any inconvenience. Rest assured, once fully completed and operational, you will be beneficiaries of an expanded and upgraded facility to include an e-banking hall, drop-boxes and self-help banking facilities. FALMOUTH BRANCH For our members living and or working in Trelawny, we will be establishing a presence in the Falmouth area to serve you and our potential members while simultaneously expanding the Gateway brand. This office will become operational by the end of November 2020 and will be located at Shop #4, 2-4 Duke Street, Falmouth, Trelawny. TECHNOLOGY We have purchased new banking software to serve you more efficiently and this will be implemented in a test environment on November 1, 2020 and should be ready for roll-out on or before January 1, 2021. This new software will reduce transaction processing time, the need to visit the branch and will have online banking capabilities. Our new and improved website and its assistant “Jean” is already functional, please visit our website to learn more about us, our products and services, news and what we are doing in the communities in which we serve. ANNUAL GENERAL MEETING We are still hoping to convene our Annual General Meeting before year end and will keep you updated. We sincerely hope that you are staying safe by observing all the stipulated protocols by the Government during this COVID-19 Pandemic. We thank you for giving us the opportunity to serve you and look forward to your continued support. God Bless, Lambert Johnson, President

The third Annual General Meeting of Gateway Co-operative Credit Union (2017) Limited will be held on Thursday, October 29, 2020. The Nominating Committee hereby invites members of the Credit union to nominate suitable candidates to fill vacancies for the following: Board of Directors (BOD) Credit Committee Supervisory Committee. Nominations from members will be accepted by petition under the following terms and conditions: 1. Nominations to fill vacancies on the Board of Directors (3), Credit Committee (2) and Supervisory Committee (5) must be duly signed by at least twenty-five (25) members and submitted to the Nominating Committee for consideration. 2. Candidates nominated and shortlisted will be interviewed by the Nominating 3. Each nomination must be accompanied by a nominee’s resume and must be signed by the nominee stating that he/she is in agreement with the nomination and will serve if elected to office. 4. A member seeking to hold office shall be disqualified if he/she: - fails to satisfy the Registrar and/or the Supervisor that, he/she is a fit and proper person to perform corporate management functions; has a dormant or inactive account for six months and over; is a member for less than six (6) months; is delinquent at the time of the Nominating Committee’s deliberations. A copy of the petition form is available at all offices of Gateway (Sam Sharpe Square, Church Street, Fairview and Lucea) and on the website: Click to download form. Nomination by petition should be placed in a SEALED envelope marked: “CONFIDENTIAL: Petition to Nominating Committee – Gateway” and submitted to any office of Gateway Co-operative Credit Union (2017) Limited. Closing date for receiving nominations by petition is August 26, 2020. NO NOMINATION WILL BE TAKEN FROM THE FLOOR AT THE ANNUAL GENERAL MEETING. Dated on the 10th day of August 2020.

Our team has been staying close to our members over the last few months to make sure they are able to make it through the pandemic, and we have heard the issues many of you are having. In some cases, persons have had issues honouring their existing loan payments because of reduced household income. In light of this, we've created the Gateway Get It Together loan for debt consolidation. This loan allows you to pay group your repayments for Non-Gateway loans into one loan product with Gateway. Importantly: Loans shall be for debt consolidation purposes only There is a 0% share requirement These loans must be secured loans (collateral required) Take advantage of this today. It will only be available for a limited time. Who This Loan Is For Gateway members who want to group all external loan payments into a single monthly payment. Gateway members who have setup salary deduction for loan payments. What do you need to apply? Must be an existing Gateway Co-operative Credit Union member. Zero percent (0%) share requirement No Proof of purpose required for loans requested under $300,000; Note Our loans will be offered at a competitive interest rate, negotiable on a case-by-case basis. Members may be granted a maximum of a 3-month moratorium on the principal only. Conditions apply Contact Us To Get Started #gatewaycares #covid19 #loanspecials #loans

We understand that many of our members may be facing difficult times, and as a result we have designed the new PAY MI LOAN LATA special to help get you through these tough times. The Pay Mi Loan LATA is a secured loan special carrying NO share requirement and the loan can be taken out for any purpose! There is also a loan moratorium until December 2020 from the date of the member application. Members may be granted a maximum of 6 month’s moratorium on the principal until Dec 2020 (pro-rated). Loans can be taken for any purpose. Take advantage of this today. It will only be available for a limited time. Who This Loan Is For Gateway members who have collateral to borrow against. Gateway members who are looking to delay repayments until December. What do you need to apply? Zero percent (0%) share requirement Loans must be secured Must be an existing Gateway Co-operative Credit Union member. No Proof of purpose required for loans requested under $300,000; Note Our loans will be offered at a competitive interest rate, negotiable on a case-by-case basis. Conditions apply Contact Us To Get Started #gatewaycares #covid19 #loanspecials #loans

A message from the President Amid ongoing concerns about the Coronavirus (COVID-19), we want to assure you that Gateway has stepped up to assist its members and their employees as the COVID-19 pandemic puts extreme pressure on us all. We understand that this pandemic has put many of our members in a position of uncertainty and we are working to take some of that burden off you. As your elected President, I am reaching out to you, our valued members to confirm our strong commitment to you during this time. While this remains a developing situation, Gateway continues to operate on a relatively normal basis with some adjustments to our hours of operations and the number of persons we serve in-branch at any one time, all in an effort help protect everyone as we continue to adapt. This pandemic creeped up on us while plans were afoot to expand our operations. Preparation for the future however will continue, but at a much slower pace as your Credit Union endeavour to make prudent fiscal decisions. We have embarked on a number of projects that will enhance our service delivery to you, our valued members. In short order, our Church Street Head office location will be renovated and transitioned to a full branch office with updated facilities. The use of technology and all relevant platforms are featured highly in our plans to bring service to you more efficiently and at a lower cost. We want to use technology to effectively drive the Credit Union and provide online services to our members; as such, we will be upgrading our current operating software to a state-of-the-art software to serve you better- from anywhere, anytime. We will further be establishing two additional branch offices at Fairview Montego Bay and Falmouth Trelawny in order to extend our services throughout our bond. Further details about our plans will be communicated at our next Annual General Meeting. Prevention is still our main focus and on behalf of the Board of Directors we are encouraging all of you to take every precaution necessary to stay healthy. This too shall pass and your GATEWAY will be here moving you to higher financial altitudes. In God we trust. Be Safe. Lambert Johnson A message from the C.E.O Presently Jamaica, and by extension the world, is grappling with a problem of enormous scale and human impact, and our hearts go out to all who have been affected by the outbreak of coronavirus (COVID-19). We know the stakes are incredibly high for all of you. Your lives and your livelihoods are intertwined with your businesses or place of employment, and your economic future may now feel threatened.  So, we feel enormous empathy and care for you, knowing that we are all in this together. At Gateway, we believe it is our responsibility during this time to prioritize two things: the health and well-being of our members and staff while also playing a constructive role in supporting the decisions made by the Ministry of Health and Wellness and government leaders as they work to contain the virus. Through that lens, we will continue to make decisions with vigilance in keeping with the national response and guided by our Mission, Vision and Values. Gateway has taken a number of proactive steps to assist our members in dealing with the severe economic impacts of the COVID-19; let’s talk about what Gateway is doing to help you: With effect from March 19, 2020 and until May 31, 2020, Gateway has put the following in place: Three (3) month’s moratorium (payment holiday) Waiver of all late charges for three (3) months Penalty breaks on all savings (Partners, Fixed Deposits and Golden Harvest) Waiver of transfer fees (internal) from Share accounts to main deposits Lifting of five (5) days hold on cheque We will continue to closely monitor the situation and will communicate any additional measures necessary to support you and the communities we serve as needs arise. "We know that this is a fluid situation and we will closely monitor any developments that could continue to negatively impact our members across the County. We wish to achieve normalcy in short order and your Gateway stand ready to review all our existing initiatives to ensure that our members needs are met as we hold your hand through these harsh economic times. We pray for you and your families’ safety during this time and God’s mercy on all of us. Your CEO Ornell Bedasse