As employers feel the squeeze in these tough times, NTUC’s 12 Social Enterprises remain driven by our social role to make a significant impact on the lives of working people and their families. Our values guide us in everything that we do. We conduct our businesses and exercise leadership as trustworthy and model employers. Social Overview Corporate Information on Social Enterprises Help for all in this downturn

affordability of a basket of 200 essential SEs continue to grow, they will hire more NTUC SEs are driven by their social role to This economic downturn affects everyone, items. NTUC First Campus maintains fees at workers, which include those who have make a significant impact to the lives of working including NTUC’s 12 Social Enterprises (SE), 15 per cent to 20% below national median been retrenched, back-to-work women people and their families in in both good fees. NTUC Club keeps family recreation and mature workers. The spectrum of jobs and bad times. which will also come under strain. But the affordable and accessible through its Family available will include both rank-and-file NTUC SEs pledge to do all they can to save jobs Recreation FUNd vouchers. workers as well as Professionals, Managers, Standing united, they are ever ready to do even and help families overcome this downturn as • Help Retrenched Workers – Families with Executives and Technicians. more to help. children and the elderly will continue to enjoy • Grow their business through skills upgrading. members of a united Labour Movement (LM). the services of NTUC First Campus and NTUC SEs will send their workers for training NTUC Eldercare even if a family member to upgrade their skills. This will also help were to be retrenched. In collaboration with position NTUC SEs for further growth when “This global downturn is likely Upturn the Downturn OCBC, NTUC First Campus has extended the economy recovers. For example, NTUC to be longer and deeper than The current downturn is the worst the world has its Bright Horizons Trust (BHT) Fund to FairPrice and NTUC Club have sent their previous ones. Many have seen since World War II. It has been affecting help children of retrenched parents. OCBC staff for Customer-Centric Initiative (CCI) people and businesses in every strata of society. donated $200,000, which was added to training to improve their service standards. been affected: retrenched Despite the economic pressures NTUC SEs face, the $300,000 set aside by BHT Fund for The benefits derived from better-trained workers have lost their they will continue to help workers and families this purpose. With this collaboration, more service staff serves as an exemplary example jobs; rank-and-file workers upturn the downturn. NTUC SEs will do all they retrenched parents will get to enjoy childcare for the other NTUC SEs to embark on CCI. have lost their overtime; can to: fee subsidies. Similar subsidies are also excess workers have taken • Moderate Cost of Living – NTUC SEs will available under the Eldercare Trust Fund. Reaching out to more and making continue to keep their products and services NTUC Thrift allows loan repayments to be the difference on shorter work week and at reasonable and affordable prices. For rescheduled for retrenched members, and The collective goal of NTUC SEs is to deliver good suffered wage cuts; older instance, NTUC FairPrice has extended its NTUC Choice Homes is waiving its first six quality goods and services at affordable rates workers could not get re-employed; unskilled workers 5 per cent housebrand discounts till months of maintenance charges for buyers that are widely accessible. For example, NTUC have been pressured by cheap sourcing; and the list December 2009. This will cost NTUC of Yew Tee Residences who have been FairPrice has been able to help moderate cost of goes on. FairPrice a total of $12 million since retrenched. living because it has a network of 222 stores in its inception from December 2007 to • Contribute to NTUC U Care Fund – NTUC several formats that serves 1.5 million shoppers December 2009. NTUC FairPrice will also SEs have contributed generously to NTUC each week. Likewise, other NTUC SEs will look to NTUC Social Enterprises have responded exceedingly continue to ensure that its basket of 400 U Care fund. This will help scale up NTUC expand their capacity to help more people. NTUC well in this downturn. They stepped up their DO EveryDayLowPrice items are lower or at Care and Share programmes to reach more First Campus is expanding its network of My GOOD efforts by keeping prices of goods and least equal to its competitors’ price for the workers and their families in this downturn. First Skool and The Little Skool-House childcare services as low as possible for workers and members same products. NTUC FairPrice has further NTUC SEs’ corporate partners have also centres in response to the Government’s call embarked on the Yellow Dot scheme, which joined in the LM’s fund-raising efforts. For to improve the quality of the pre-school sector. of the public. At the same time, they stepped features cheaper items to budget-conscious example, NTUC Choice Homes rallied NTUC Foodfare is opening more foodcourts forward with their DO WELL efforts by cutting costs consumers. Lower-priced items of good support from its corporate partners to donate and coffeeshops to serve more members. to save jobs and avoiding retrenchment. They also value – from rice, eggs, sugar, cooking oil, $334,600 to NTUC U Care fund. NTUC Link is delivering more than $8 million responded to the tripartite partners’ call to upgrade coffee powder, biscuits to jams – that are worth of LinkPoints savings to members, and is workers’ skills, productivity and service quality, and labelled with the Yellow Dot are up to SEs as model employers further strengthening the LinkPoints Programme 25 per cent cheaper than even its As model employers that care, NTUC SEs will take by adding more merchants and partners as are hiring even more to expand their operations to housebrand items. NTUC Income has the lead during this downturn to act on the LM’s well as offering better rewards and exclusive position themselves for the upturn when the economy launched a $6 million special assistance worker-centric commitments. NTUC SEs will: privileges. NTUC LearningHub is ramping up recovers. In short, NTUC cooperatives are doing scheme to help its lower-income and • Avoid retrenchment. NTUC SEs will cut costs its capacity to retrain workers under the Skills GOOD as Social Enterprises, and DOING WELL as elderly Incomeshield policyholders cope to save jobs in this downturn. Retrenchment Programme for Upgrading and Resilience (SPUR), socially responsible employers.” with premium revisions. NTUC Healthcare, will be the last resort. in close partnership with e2i (Employment and through its pharmacy chain, maintains the • Avoid record unemployment. As the NTUC Employability Institute).

102 103 Social Enterprise Development Council

Lim Boon Heng John De Payva Teo Yock Ngee Ng Ser Miang Ng Kee Choe Chua Cher Choon Chairman Advisor Member Member Member Member Member

Goh Chee Wee Lim Jit Poh Noel Hon Tan Soon Yam Gabriel Teo Tan Kian Chew Chan Tee Seng Member Member Member Member Member Member Member

Social Enterprise Development Council (SEDC) was formed in January 2007 to provide stronger impetus towards the development of the NTUC Social Enterprises to be best-in-class. The core mission of the SEDC is to ensure that the NTUC Social Enterprises continue to be competitive and to deliver social impact built on financial sustainability.

104 105 NTUC Choice Homes Co-operative Limited 1 Marina Boulevard #15-05 NTUC Centre Singapore 018989 Tel 62138822 Fax 63275966 Website www.ntuc-choicehomes.com

Board of Directors Chairman Ng Ser Miang

Deputy Chairman May Ng Bee Bee

Directors Ng Ser Miang May Ng Bee Bee Chan Wing Leong Steven Choo Kian Koon Benedict Kwek Gim Song Lim Kuang Beng Ng Eng Kiong Cynthia Phua Siok Gek Adeline Sum Wai Fun Tan Kian Huay Thomas Tay Jwee Hwa Melissa Yam Lye Ching

Chan Wing Steven Choo Cooperative Secretary Leong Kian Koon Tan Poh Leng

Artist’s impression of Dakota Residences

Hri Kumar Nair Benedict Kwek Gim Song

The property market is a barometer of the economic climate and we foresee that this year would be most challenging. Lim Kuang Beng Ng Eng Kiong But, we will not waver in our commitment to support the success for the cooperative. It was able to Labour Movement initiatives Building up to rally 38 of its commercial partners for this event. such as Care and Share. 12 corporate donors joined Mr Lim Swee Say, Minister in the Prime Minister’s Office and NTUC Ms Margaret Goh, Chief Executive Officer, Choice Homes support workers Cynthia Phua Adeline Sum Secretary-General, in the Golf Challenge. Special Siok Gek Wai Fun Guest for the event was Mr , If you’ve wondered why NTUC has Minister in Prime Ministers’ Office. a real estate developer as one of its Social Mr Ng Ser Miang, Chairman of Choice Homes, Enterprises, this is a good time to find out why. and Ms Adeline Sum, Chief Executive Officer NTUC Choice Homes Co-operative Limited, which of Singapore Labour Foundation (SLF) were like most developers who made money during the also invited to the event. The SLF matched the Choa Chu Kang in the west, and Tanah Merah and property boom years, has opened its wallet wider contribution from Choice Homes dollar-for-dollar. Simei in the east. These projects are also near Tan Kian Huay Thomas Tay than ever to help the Labour Movement. Choice Homes also contributed $150,000 MRT stations and other amenities like schools, Jwee Hwa Choice Homes has committed $1,334,600 to NTUC First Campus Bright Horizons Fund and shops and eateries. this year to help low-wage NTUC members and $250,000 to NTUC U Stretch Vouchers last year. Since its inception, Choice Homes has their families. A fund-raising golf cum dinner in developed (or is in the process of developing) February helped raise $334,600. Choice Homes Condos mostly a total of 13 projects. This includes a freehold also doubled its annual contribution to $1 million, Choice Homes was set up in 1995 to help private condominium (Riviera Residences), four to the Labour Movement U Care Fund for more Singaporeans meet their aspirations to own executive condominiums (Park Green, Bishan low‑wage workers and their families struggling private property by delivering quality housing at Loft, Yew Mei Green and Simei Green) and eight Melissa Yam Tan Poh Leng in this downturn. fair and affordable prices. private 99-year leasehold condominiums (one Lye Ching Its projects are well spread out all over condominium project in Toa Payoh, Dakota Charity golf Singapore – Toa Payoh in the central area, Dakota Residences, Casa Merah, YewTee Residences, The NTUC Choice Homes Upturn the in the city fringe, Ang Mo Kio and Bishan towards Kovan Melody, Grandeur 8, Rivervale Crest and Downturn Golf Challenge cum Dinner was a the north, Kovan and Sengkang in the northeast, Tropical Spring).

106 107 NTUC Club 1 Close Singapore 519599 Tel 65891600 / 65891688 Fax 65850045 Website www.ntucclub.com Website www.downtowneast.com.sg

Management Council Chairman Members Lim Swee Say Fang Chin Poh Herlina Abdul Rahman Vice Chairman Nora Kang Chih Lee Siok Buea Leong Wai Leng Secretary/ John Lim Lim Swee Say Matthias Yao Chih Yeo Khee Leng Teo Yock Ngee Chief Executive Officer Edwin Lye Yeo Khee Leng Nachiappan RKS Simon Ong Honorary Treasurer G Rajendran Teo Yock Ngee Surash Mukundan Bob Tan Michael Tan group, a free three-year nEbO membership was Tan Hock Soon Richard Tan also given out. nEbO members enjoy a wide range of benefits, privileges and activities specially NTUC Club Advisory Committees targeted at youths. This year, NTUC Club will be Fang Chin Poh Herlina Abdul Nora Kang Lee Siok Buea Rahman Jest D’Place Scarlet City increasing the number of FRF Carnivals from four Chairman Chairman to six. It also plans to give out $500,000 more Tan Chai Kun Cyrille Tan Soo Leng than last year, making it a total of $1.5 million for Secretary/Manager Secretary/Manager this year’s FRF Carnival. Alina Kao Alan Puah Members Members Bonding between generations Phang Weng Onn Terry Lee Toh Hock Poh Serene Tan Lay Kim The nEbO community encourages youths Peter Tham Chee Khuan Mohd Munir to volunteer their time for the larger community. Leong Wai Leng John Lim Edwin Lye Nachiappan Wong Weng Ong Tan Cheng Yen RKS Johari Mohamed Sadli Selvam Sivasamy Regular events organised under nEbO Care Lim Ah Kiat David Sim Hor Pheng include a series of grooming sessions for seniors Happy Days Costa Sands Resort and the Food Rations Distribution Service to Chairman (Downtown East) needy recipients. K Thanaletchimi Chairman Thomas Tay Jwee Hwa Another major highlight for Club was the Secretary/Manager Active Ageing Carnival on 13 December 2008 Zann Sulaiman Secretary/Manager Mohd Sham organised at Downtown East as a tribute to Members seniors. More than 5,000 “active agers” and Simon Ong G Rajendran Surash Bob Tan S Supramaniam Members Mukundan U Popathi Daniel Davidson their families took part and had a great time. William Goh Boon Kwang Jayakumar Mannar A family outing Complimentary carnival coupons were also given M Ramasamy Michael Low Kong San Collin Keith Sebastian S K Govindasamy out to union members aged 55 and above. Each Hamzah Sa’ad Freddy Lim Kah Chin coupon entitled members to free entry to Wild Logarajah s/o Sabapathy on us Union Square Wild Wet and Escape Theme Park. Chairman Costa Sands Resort Lim Kuang Beng () About NTUC Club Chairman About 10,000 families had a ball Secretary/Manager K Karthikeyan of a time at Downtown East over four Sundays Established in 1986, NTUC Club constantly Michael Tan Tan Hock Soon Richard Tan Desmond Armstrong Secretary/Manager and the fun cost next to nothing. NTUC Club was seeks to reinvent itself to offer exciting Members Rashid Mohamed Sanif happy to pick up the tab, which came up to $1 promotions and events for members by providing N Silva G Muthukumarasamy Members million, for the Family Recreation and Fun (FRF) a wide range of affordable choice, recreational Richard Tan Peck Hoon Joseph Nagarajan Carnival. All facilities at Downtown East were experiences at preferential rates. A key focus Alias Talib Tan Hoon Kiang Lim Lian Soon, Michael Jennifer Yap Sy Na open to the families at no cost and complimentary of the club is to build and engage dynamic Fok Wing Sew Philip Lee Soon Fatt two‑way transport and meals were provided to let communities of the Labour Movement resulting Captain Robin Foo DXO Lam Yuen Shin them take their minds off the downturn that might in the creation of nEbO, a 12-21 year-old lifestyle Chairman have caused some to cut down on their expenses community, and many interest groups and events The Family Recreation and Fun Mike Mariyappa Thiruman Costa Sands Resort (Pasir Ris) and compromise on their quality family time. to engage a vibrant community of active agers. Carnival provided free transport Secretary/Manager Chairman The special arrangement was for union members Its key property Downtown East is home to Wild and meals so that families Mark Wong Ameer Hamzah s/o Abdul Nasir earning less than $2,500 a month or with a per Wild Wet, Escape Theme Park, eXplorerkid, nEbO Members Secretary/Manager capita income of not more than $500. The first City, Orchid Bowl, and The Spa @ Aranda. It also need not worry about spending Tan Chee Tiong Jessie Lee Chiam Tow Jong outing was on 15 June 2008 where about 3,000 manages three holiday resorts (Costa Sands extra for a day at Downtown East. Michael Foo Members families took part. Similar FRF Carnivals took Resort at Downtown East, Pasir Ris and Sentosa), Nicholas Loke Chee Leong Noor Shyma Abdul Latiff Mr , Director, NTUC Care and Share David Phang Jek Twoon Supaat Sayuni place again on 31 August and 14 December last five clubhouses (DXO, Scarlet City, Union Square, Raymond Quek Choon Hoa year and also on 15 March 2009. Goodie bags Happy Days and Jest D’Place), four other bowling Poul Vincent Ong Hwee Liang given on those days included food coupons and centres under Orchid Bowl as well as the Marina Djohan Abdul Rahman complimentary games coupons to be used at Wild Bay Golf Course. Members enjoyed preferential Wild Wet, Escape Theme Park and eXplorerkid. rates in all these facilities and in 2008 alone, For members with children in the 12 to 21 age members’ savings amounted to some $9 million.

108 109 NTUC Eldercare Co-operative Limited 9 Bishan Place #10-02 Junction 8 Office Tower Singapore 579837 Tel 64785480 Fax 63567921 Website www.ntuceldercare.org.sg

Board of Directors Chairman Lim Boon Heng

Directors Diana Chia Siew Fui Dr Chiang Hai Ding Captain Robin Foo Lim Boon Heng Diana Chia Dr Siew Fui Zulkifli Mohammed after a stroke eight years ago and is totally Kevin Kwok dependent on others. Madam Ho also received Cooperative Secretary help from Eldercare Trust to help her manage Mui-Kok Kah Wei the fee. Training and jobs A Certificate in Community Home Caregiving Skills is available for those who want to be trained Dr Chiang Captain Robin Hai Ding Foo as icare officers. The course is also suitable for housewives who wish to go back to work. Eldercare was set up in 1997 to provide services for the elderly. It currently manages the following programmes at these locations: 1. Silver Circle (social day care centres) • Marsiling • Taman Jurong Dr Lily Neo Zulkifli Mohammed • Pasir Ris • Jurong Central • Punggol South

2. Care@home (non-medical home care)

3. Wellness Programme • Jurong Central Kevin Kwok Mui-Kok Kah Wei • Punggol South

WOW 50+ A happy place Keeping the mind and body active is an important part of ageing happily. To drive home the for seniors message, Eldercare embarked on a three‑month pilot project called WOW 50+ for those between 50 and 80 years old. 35 people took part and Not everyone can afford a live-in learnt a set of simple yet innovative exercises My mother has many helper but an affordable solution can be found with to improve cardiovascular fitness, strength health issues and has been NTUC Eldercare Co-operative Limited. Where and flexibility. WOW 50+ also included posture necessary, Eldercare Trust has also been able to step exercises, talks on nutrition and healthy food looked after at NTUC Eldercare in to make the daycare fee even more affordable. preparation, fun dancing, and social engagement for nearly nine years while Last July, Eldercare opened its first purpose- activities to help seniors adopt an active and I was at work. built integrated centre at Punggol South. Besides healthy lifestyle. having a daycare facility, it also provides a platform I was retrenched last year and for Eldercare to go into a full range of activities for icare for U Eldercare Trust is now subsidising seniors who want to keep themselves mentally and Eldercare has been running the Care@home the fees and that is a big relief. physically fit. service since 2007 where the elderly who are Under the Wellness Programme, this centre too frail can receive care at home. Trained icare Mdm Lily Ho, 53 offers a gymnasium for seniors. It also conducts officers will be able to help seniors who need a range of courses teaching seniors handicraft, help at home but can do without medical care. computer skills and conversational English. The Madam Elizabeth Ho took advantage of Wellness Programme now has more than 1,000 Care@home service to help her look after her members. 79-year-old husband. He has been bedridden

110 111 NTUC Fairprice Co-operative Limited 680 Upper Thomson Road Singapore 787103 Tel 64560233 Fax 64588975 Website www.fairprice.com.sg

Board of Directors Chairman Ng Ser Miang

Deputy Chairman NTUC FairPrice Foundation John Lim

The NTUC FairPrice Foundation has Directors contributed $7.2 million to the community since Ng Ser Miang John Lim Teo Yock Ngee Teo Yock Ngee Dr Jennifer Lee its launch in March 2008. Beneficiaries of the Eric Ang Foundation include NTUC First Campus Bright May Ng Willie Cheng Horizons Fund, NTUC Eldercare, Community Adeline Sum Wai Fun Chest and Food from the Heart. This year, the Hee Theng Fong Tan Hwee Bin Foundation is committed to contributing at least John De Payva 20% more to help provide a better life for the Willy Shee Wong Heng Tew community. The Foundation will also continue Ng Shin Ein to support the various Community Development Dr Jennifer Lee Eric Ang May Ng Cooperative Secretary Councils with the FairPrice Food Voucher Scheme Poh Leong Sim to help needy families meet their essential needs. As an NTUC Social Enterprise, FairPrice has been supporting the Labour Movement over the years. Last year, FairPrice supported NTUC with $4.2 million of funding, including a donation of $3.5 million to NTUC to help low-wage workers cope with rising food cost. This year, FairPrice Willie Cheng Adeline Sum Hee Theng Fong Wai Fun aims to give at least 50% more to help workers tide through the recession. Renewed Commitment to the Labour Movement FairPrice launched its new logo in August 2008. The logo reflects the revamped image of NTUC and is a symbol of FairPrice’s renewed Tan Hwee Bin John De Payva Willy Shee commitment to the Labour Movement. Minister Mentor (MM) officiated the launch of the new logo at FairPrice’s first supermarket store at Toa Payoh Lorong 4. The location is Contributing more the supermarket by keeping prices low so significant because MM Lee also opened the first that essential goods are available at affordable store 36 years go at the same place. prices. FairPrice was founded by the Labour In 2009, the US financial crisis For its more than 6,000 staff, not only has Movement in 1973 with a social mission to Wong Heng Tew Ng Shin Ein Poh Leong Sim resulted in a meltdown of the global financial FairPrice made the commitment not to retrench moderate the cost of living in Singapore. From system and a slowdown for economies around staff for the year, it will also use this opportunity one supermarket over 30 years ago, it has grown the world, including Singapore. It was amid to train and upgrade their skills, and look to become Singapore’s largest retailer today. this challenging environment that NTUC for new talent for succession planning. It is Fairprice Co‑operative Limited announced investing $500,000 on a core customer service its $15 million help package – a series of training programme that will train some 5,000 measures to help all stakeholders cope with frontline staff to deliver better customer service. NTUC FairPrice, as a social the downturn. For financially-stretched employees, FairPrice enterprise, is committed to For suppliers caught in the credit crunch, provides hardship grants and a salary advance doing more for our customers, FairPrice set aside $30 million to speed scheme to help them tide through the recession. up payment and pledge to pay them on a Each year, FairPrice also gives out $500,000 our trade partners, our staff 30‑day term instead of 60 days. The scheme worth of study grants to enable children of staff and the Labour Movement also included discounts on listing fees and and members continue their education. in this recession. advertisements, and assistance in promoting Group Chief Executive Officer Tan Kian products made in Singapore. About 500 Chew also said that the $10 million savings Mr Ng Ser Miang, Chairman, NTUC FairPrice local small and medium enterprises (SMEs) a year that is estimated to derive from the identified under the FairPrice SME Assistance Government’s Jobs Credit scheme would also Programme would directly benefit from this. be ploughed back as further discounts for The programme underscored FairPrice’s customers. Any additional funds would also be commitment to suppliers who have supported channelled to other philanthropic causes.

112 113 NTUC First Campus Co-operative Limited 70 Geylang Bahru #02-2719 Singapore 330070 Tel 63919233 Fax 62933460 E-mail [email protected] Website www.ntucfirstcampus.com

Board of Directors Chairman Goh Chee Wee

Directors Bertie Cheng Liat Teng Lit When my husband was Noor Shyma Abdul Latiff Goh Chee Wee Bertie Cheng Lay Peng retrenched last December, Dr Tan Kim Song Albert Cheng Yong Kim it was a stressful time for us. Adeline Sum Wai Fun

First Campus was so willing Cooperative Secretary to help us and they encouraged David Poh us to apply for the Bright Horizons Fund Liat Teng Lit Noor Shyma scheme so that my child could Abdul Latiff continue in school. Madam Li, with children aged one and two

Denise Phua Dr Tan Kim Song Lay Peng

nursery rhymes after being in pre-school for three months. With a recommendation from a teaching staff, she applied for BHF which covers her two- year-old’s playgroup monthly fees of $428. The BHF will help children from lower income families benefit from quality pre-school programmes in My First Skool centres. More than Albert Cheng Adeline Sum Yong Kim Wai Fun 300 children received financial assistance and benefitted from learning support programmes funded by the BHF in 2008. BHF’s learning support programmes also aim to support 500 more children this year and up to 1,000 by 2011. Two learning support programmes, in addition to the existing Read-to-Reach, will be in place by 2011 to help young children level up to their peers David Poh As the recession worsens, First Campus when they reach primary school. To reach out Everyone gets expects more families to ask for financial aid. to more families in need, the household income The $500,000 scheme will help families pay criteria for BHF applicants was raised from $1,800 a chance for up to three months of childcare fees. First to $2,200 earlier this year. These expansion plans Campus hopes to help about 200 families a are estimated to cost $1.3 million in 2009 and year or about 5 per cent of the 4,000 enrolled up to $2 million by 2011. in My First Skool centres. OCBC has pledged With the recession, families that are $200,000 towards the programme with NTUC Name change struggling to stay afloat may have to decide to First Campus’ Bright Horizons Fund (BHF) First Campus is the new name for NTUC take their kids out of pre-school. NTUC First contributing $300,000. Childcare which revamped and revitalised its Campus Co-operative Limited set up a new fund One recipient of this fund is Madam Li, brand and image this January. The name change to make sure parents need not have to do that. 30, who has two children. Her husband was reflects NTUC’s commitment to the national goal This is because the first six years of a child’s life is retrenched in December 2008 and the family of pre-school education for a broader market. especially important for cognitive development. had to live on a household income of $1,000 The precursor of First Campus, NTUC The two-year initiative with OCBC Bank, which Madam Li earns as a relief teacher. Childcare, has a history that dates back to the called the OCBC-Bright Horizons Fund Madam Li had initially wanted to take her child 1970s when NTUC took over a few childcare Retrenchment Relief Scheme, is for families out of pre-school to save costs although she centres from the government to provide early where at least one parent has been retrenched felt her toddler was more independent since childhood care and education. First Campus now and the monthly household income is below joining pre-school. He was able to put his own manages 50 pre-schools with a total intake of $2,200. toys away and could even sing simple English more than 5,500 children.

114 115 NTUC Foodfare Co-operative Limited 10 Senoko South Road Singapore 758097 Tel 67570330 Fax 67528411 Website www.foodfare.com.sg

Board of Directors Chairman Tan Kian Chew

Executive Director Goh Chee Wee

Directors Tan Kian Chew Goh Chee Wee Thomas Tay Jwee Hwa Leow Ching Chuan Nora Kang Kah Ai Kong Mun Kwong Ronald Ho Ryan Cheong Diana Chia Siew Fui Peter Tay Buan Huat

Cooperative Secretary Chong Mee Chen Thomas Tay Leow Ching Jwee Hwa Chuan

Nora Kang Kong Mun Training Kah Ai Kwong In terms of expertise in the culinary art, Foodfare has built up a good reputation. Working with Assumption Pathway School, it now provides vocational training for students who are not able to gain entry into any other schools. Foodfare is also able to continue training prison inmates in culinary and food preparation skills to Ronald Ho Ryan Cheong healthier way with low salt, low sugar and low make sure they have a marketable skill. Healthier food fat content. They also contain no trans-fats. Foodfare was founded in 1995 to help Making sure cooked foods at its outlets are stabilise cooked food prices. Today, Foodfare for all healthier is a top priority for Foodfare which continues to fulfill this social role by keeping its also recently opened two new foodcourts prices for basic essential beverage and cooked at Sembawang and Simei. In this downturn, food low and affordable. During good times, NTUC Foodfare Co-operative there have been calls for Foodfare to expand Foodfare moderates price increases by setting Diana Chia Peter Tay Limited has what is now a popular food kiosk- its social mission of stabilising food prices benchmark prices. During tough times, it takes Siew Fui Buan Huat style operation called Chomp On The Go. These by extending operations in the city since this on the responsibility of helping workers tide kiosks are for busy workers who have to rush recession has also affected workers in the over difficulties by absorbing price hikes where to work and may sometimes miss their meals Central Business District. necessary. or breakfast. At these kiosks situated near MRT Foodfare operates ten foodcourts and coffee stations, workers can pick up breakfast, packet Elderly get a discount shops, two food kiosks and also prepares food meals or snacks for their working day ahead. For the elderly who are also NTUC members, for nine army camps. It also operates a factory Foods sold here are always prepared in a Foodfare extends a special 5 per cent + 5 per producing retail-packed frozen bakery items and Chong Mee cent elderly discount on Tuesdays at all its local delicacies, sauces and pastes. Chen foodcourts. This has made the impact of the recession a little easier on seniors. On another front, chefs at its central kitchen in Senoko are also able to rise to the challenge of preparing Since I am working here as a cleaner, healthier meals for big events at elderly homes I eat at the foodcourt and get 5 per cent + 5 per cent such as Ju Eng Home and St Johns. Foodfare did its bit to promote racial elderly discount on food if I show my IC. That is about harmony with its halal mooncakes last year. 10 cents savings if I spend $2 and I usually spend more These fusion mooncakes with dates sold well. than that. It is one way to save money and every cent counts. A mooncakes charity drive also helped to raise funds. Proceeds from the sale of mooncakes at Mr Gam Kam Weng, 70, who works as a cleaner at NTUC Foodfare foodcourt at AMK Hub $12 a box were donated to charities.

116 117 NTUC Healthcare Co-operative Limited 55 Ubi Avenue 1 #08-01 Singapore 408935 Tel 67440068 Fax 68469313 Website www.ntuchealthcare.com.sg

Board of Directors Chairman Chua Cher Choon

Directors Ameer Hamzah s/o Abul Nasir Diana Chia Siew Fui Lee Kin Seng Chua Cher Choon Ameer Hamzah Nora Kang Kah Ai s/o Abul Nasir Pauline Goh Peter Boo Thomas Thomas Ryan Cheong

Cooperative Secretary Merrie Lee

Diana Chia Lee Kin Seng Siew Fui

Nora Kang Pauline Goh Kah Ai

I find theirservice good and they charge about 5 per cent to 10 per cent cheaper than other private dental clinics. Peter Boo Thomas Thomas It’s worth the money. Mrs Shan Juan, 35, who has been going for her bi-annual dental visits at Denticare since 2007

Ryan Cheong Merrie Lee

pharmacy assistants. Called Unity Development were able to stock up on medication and medical Programme and Pharmacy Development Here’s to good supplies at lower prices. Programme, Unity aims to equip pharmacists NTUC Denticare gave special discounts and pharmacy assistants with better product health to NTUC members and these were very well knowledge and customer service skills. received. About 70 per cent of Denticare NTUC Denticare too will be launching its customers are NTUC members. Clinic Development Programme this year for Mrs Shan Juan, who makes her visit once every dental assistants. Taking care of your health six months to NTUC Denticare, says she finds the should always be a priority. At NTUC Healthcare service good and the prices about 5 per cent to Competitive pricing Co‑operative Limited, you get the best value. 10 per cent lower than the market rate. Healthcare was established in 1992 Healthcare and its subsidiaries including Unity, NTUC Medicare, also provides health when there was a worry about rising cost of NTUC Denticare and NTUC Medicare, gave more screening packages at affordable rates which are healthcare. It operates 35 Unity pharmacies, discounts in 2008 compared to previous years to also popular with NTUC members who want to nine The Living Pharmacy outlets, 13 dental help families cope with inflation in the first half of stay fit and healthy to be able to work for as long surgeries and six medical clinics. the year and the recession later. as they want. NTUC Denticare and NTUC Medicare, under From the usual three days in May, Unity Healthcare continues to focus on training NTUC Healthcare, offer fees for dental and extended its 5 per cent storewide discount to and customer service. In 2008, Unity launched medical services at lower than the guidelines NTUC members for the whole month. Customers training programmes for pharmacists and set by the Singapore Dental Association and the

118 119 NTUC Income Insurance Co-operative Limited 75 Bras Basah Road NTUC Income Centre Singapore 189557 Tel 63462663 (63 INCOME) Fax 63381500 Website www.income.com.sg

Board of Directors Chairman As a social enterprise, Ng Kee Choe people are at the heart of our Deputy Chairman decision making. We are Matthias Yao Chih Directors committed to continue doing Ng Kee Choe Matthias Yao Chih Tan Suee Chieh (Chief Executive) Lee Mun Hou the right thing, especially in Gabriel Teo Tan Peng Heng these extraordinary times, Tan Cheng Han Soh Kim Soon such as setting up the Ron Foo Audrey Chin Incomeshield Assistance Philip Eng Scheme and the Income Cooperative Secretary B Lakshmi Cares Fund for Tan Suee Chieh Lee Mun Hou our policyholders. Mr Tan Suee Chieh, Chief Executive, NTUC Income

to NTUC’s Unit for Contract and Casual Workers. NTUC Income’s participation in the scheme demonstrates its commitment to ensure that low- Gabriel Teo Tan Peng Heng wage contract and casual workers, who do not enjoy protection of workmen’s compensation, have access to basic insurance protection. NTUC Gift, a low-cost term insurance available to NTUC-affiliated unions and associations, and providing death or permanent and total disability benefits of up to $30,000, covers about 450,000 members. Tan Cheng Han Soh Kim Soon $1.16 million to Labour Movement U Care Fund NTUC Income made a commitment of $1 million to help families of retrenched and low income best value for money and the most attractive workers under the Labour Movement U Care Always shielding you rates for annuities among private insurers. One Fund. This was in addition to the donation from in three cars in Singapore is covered under its Project Love, a month-long fund-raiser that raised Ron Foo Audrey Chin motor insurance which offers very competitive $375,000, of which $160,000 was donated to the NTUC Income Insurance premium rates. U Care Fund. Co‑operative Limited is the only insurer to provide a fully-portable medical benefit scheme Protection for workers AA Rating affirmed to employees of more than 230 companies. Staying true to its roots to provide essential Founded in 1970 to provide essential insurance This scheme ensures that staff will have insurance to workers, NTUC Income offers a protection at low cost to workers in Singapore, hospitalisation coverage even if they leave number of products catering exclusively to union NTUC Income is today a leader in the insurance their employment. members. industry, with 1.8 million policyholders and Philip Eng B Lakshmi The premiums of its health product, LUV Plan, which offers low-cost, high- offering the widest range of products at the most Incomeshield, are the most competitive in the coverage life and critical illness insurance, competitive prices. industry. More than 800,000 in Singapore are is designed to meet the protection needs of union NTUC Income has transformed itself into a top covered by Incomeshield. members and their families. Premiums start as financial institution and a leading social enterprise In December 2008, and in view of the low as 70 cents per month and more than 11,000 in Singapore. In 2008, despite the financial crisis, economic crisis, NTUC Income launched a members have signed up for it. it had its AA rating re-affirmed by Standard and $6 million Incomeshield Assistance Scheme to The Workmedic plan for foreign workers, Poor’s, making it one of the strongest financial help about 77,000 Incomeshield policyholders which covers medical expenses at one of the institutions in Singapore and in the region. with their premiums, most of whom hold plans lowest premium rates in the market, covers some But even as it aims for commercial excellence pegged to the B and C wards in restructured 118,000 workers. and leadership, it stays committed to its social hospitals. NTUC Income provides low-cost insurance for purpose to make essential insurance affordable, NTUC Income’s term insurance provides the workers who pay a $1 monthly subscription fee accessible and sustainable for all.

120 121 NTUC LearningHub Private Limited 141 Redhill Road Block C #01-05 Employment and Employability Institute Singapore 158828 Tel 64712223 Fax 64712707 Email [email protected] Website www.ntuclearninghub.com

Certification, greatly enhancing our value to Board of Directors workers and organisations. Chairman Tan Soon Yam Looking to the future Vice-Chairman Teo Yock Ngee As part of our growth plans in the coming year, we will be doubling our SPUR training capacity Tan Soon Yam Teo Yock Ngee Members Douglas Foo to cater to the anticipated surge in demand for Gary Willmott SPUR training, fuelled largely by the Labour Tan Chai Kun Movement’s push to upgrade our worker’s skills Secretary/ during this downturn. We will be investing in two Chief Executive Officer Zee Yoong Kang new training locations, in NTUC Trade Union House and Mountbatten, due to be ready by July 2009, bringing in more than 50 additional classrooms to support SPUR. Douglas Foo Gary Willmott LHUB® is forging strategic partnerships with organisations like Nanyang Technological University, polytechnics, local industry associations and unions to help us enrich the range of training courses we can offer. This will give our trainees stronger industry acceptance and enhance the value of LHUB’s courses. Over the next 12 months, LHUB® will be Tan Chai Kun Zee Yoong Kang looking into providing vocational training beyond Singapore’s borders in countries such as China, India and Vietnam. LHUB® Highlights • Awarded Microsoft Gold Certified Partner for Information Worker Solutions (Learning Solutions) • Awarded Prometric Gold Partner Awards 2008 increase since our registration in 2004. (Professional Certification) Singapore’s largest From the launch of the Skills Programme for • Leading MOM-accredited training provider Upgrading and Resilience (SPUR) till end March for Workplace Safety and Health (WSH) With SISEU’s help in training provider 2009, LHUB® has trained over 20,000 workers since 2005 matchmaking partners under the scheme, making us the leading • Leading Continuing Education and Training like Singapore Logistics choice among workers for skills upgrading in (CET) Centre for SPUR training on WSQ NTUC LearningHub Private this downturn. This represents a significant framework courses Association, NTUC Limited (LHUB®) was incorporated on 1 August portion of the 43,000 signups for SPUR-funded • Provides internationally-accredited LearningHub co-launched 2004. LHUB’s primary task is to improve courses that WDA has garnered over the same qualifications for the local workforce on a series of SPUR-funded the lifelong employability of our workers by period. These workers are now better positioned National Examination Board in Occupational upgrading their skills and competencies, as well and will benefit from the eventual economic Safety and Health (NEBOSH) and Chartered training courses fulfilling the as giving them the right mindset to meet the job recovery. Institute of Environmental Health (CIEH) logistics industry’s training challenges of a fast-evolving economy. needs, and benefitting some With over 700,000 workers trained to date, Providing training for everyone LHUB® plays a key role in fulfilling the Labour LHUB® also works together with employers 180,000 workers. Movement’s vision of helping workers help to identify and meet training needs. Having Mr PH Tan, President, Singapore Industrial and themselves through lifelong learning. worked with over 10,000 organisations to date, Services Employees’ Union (SISEU) Today, LHUB® is by far the largest we offer training courses to both rank-and-file Continuing Education and Training (CET) workers as well as professionals, managers, Centre operating under Singapore Workforce executives, and technicians (PMETs). Development Agency’s (WDA) Workforce Skills In addition to offering the largest range of Qualifications (WSQ) framework. We continue to courses for rank-and-file workers, we continue position ourselves as a leader and a key player to grow our range of courses for PMETs. This in the continuous upgrading of the Singapore past year, LHUB® was awarded the Microsoft workforce. Gold Certified Partner for Information Worker In 2008, we awarded over 220,000 individual Solutions (Learning Solutions), and the certifications through our courses, a ten-fold Prometric Gold Partner Award for Professional

122 123 NTUC Link Private Limited 1 Marina Boulevard #15-04/06 NTUC Centre Singapore 018 989 Tel 62235225 Fax 63275640 Website www.linkpoints.com.sg

Board of Directors Chairman Chan Tee Seng

Directors When a member carefully Gerry Lee Gong Wee Lik accumulates his LinkPoints James Kang Chan Tee Seng Gerry Lee Laurence Wong to redeem it for something Lim Eng Lee Martin Tsang he really wants, you will see his face light up. Wee Tew Lim That really makes my day. Ms Cindy Oh, Customer Service Officer at LinkPoints Rewards Centre Gong Wee Lik James Kang

annually to a charity or charities chosen by NTUC. In 2008, a donation of $250,000 was made to NTUC Eldercare Trust, which brings the total contribution so far to $1 million. Laurence Wong Lim Eng Lee $8 million savings for members LinkPoints continue to garner the highest redemption rate in Singapore at 94 per cent and NTUC members are the most active LinkPoints users. More than 1.2 billion points were issued More bang for last year which translates to over $8 million worth of savings to members. Martin Tsang Seah Kian Peng your LinkPoints LinkPoints is cash and more The introduction of instant LinkPoints The LinkPoints Programme by redemption at all FairPrice outlets has also NTUC Link Private Limited allows NTUC members unveiled a whole new experience. Now, members to enjoy savings on purchases in the form of with 150 points would be able to redeem their LinkPoints. Accumulated LinkPoints can be used points for cash by offsetting it against their total to redeem products and vouchers or be used to purchase. offset against purchases at LinkPoints merchants. Redemption at the LinkPoints Rewards Wee Tew Lim With over 600 participating outlets in food and website also continues to be strong. Collectively, beverage, shopping, banking services as well as our members donated about $3,800 to the leisure, members are rewarded at almost every Children’s Cancer Foundation. turn in Singapore. Several innovative programmes were About NTUC Link introduced last year to bring a wider range of Incorporated in 1998, NTUC Link Private benefits and cost savings to NTUC members. Limited aims to maximise benefits and provide One key initiative was the Uplus Card. Uplus real value with LinkPoints Rewards and Loyalty is the preferred NTUC membership card that Programme by working with quality merchants. comes with a VISA payment feature. With Uplus, The LinkPoints Programme has more than NTUC members can earn LinkPoints at a faster 1.2 million members and over 600 participating rate and enjoy all-in-one banking services offered merchant outlets. Approximately 1.2 billion by OCBC Bank. There is no annual fee and Uplus LinkPoints were awarded to members in 2008, cardmembers get to enjoy a host of additional making it one of the most popular loyalty benefits and offers which include the option of programmes in Singapore. converting LinkPoints to cash, extra six months’ The company has a relationship marketing validity for LinkPoints and 20 extra LinkPoints for arm called LinkLabs which helps companies to every $100 spent at NTUC FairPrice. Under the set up local and worldwide loyalty programmes Uplus cards programme, a portion of spending on and also provides customised relationship the card by Uplus cardholders, will be contributed marketing services.

124 125 NTUC Media Co-operative Limited 1 Marina Boulevard #14-01 NTUC Centre Singapore 018989 Tel 62360555 Fax 65381068 Website www.ntucmedia.org.sg

Board of Directors Chairman Noel Hon

Deputy Chairman

Directors Noel Hon Seng Han Thong Haridass Ajaib Shona Tan-James Wee Leong How Cyrille Tan Soo Leng Lynette Ang Siew Ching

Cooperative Secretary/ Treasurer Wilson Ong Joo Hong

Haridass Ajaib Shona Tan- James

Wee Leong How Cyrille Tan Soo Leng

Lynette Ang Wilson Ong Siew Ching Joo Hong

such as NTUC Club and also several unions New look including the Union of Security Employees The publishing industry is going (USE) and Singapore Industrial and Services through many new challenges. and feel Employees Union (SISEU). It also helped to NTUC Media is harnessing New Media promote events and happenings in other Social Enterprises through regular news and improving all our publications Two of NTUC Media’s reports and features in Lifestyle and NTUC to continue to be relevant publications – the flagship Lifestyle magazine This Week. Among the events that enjoyed to the Labour Movement. and labour newspaper, NTUC This Week publicity in NTUC Media’s publications was – went through a revamp. The new look and the Family Recreation and Fun Carnival at Alvin Wong, Chief Operating Officer, NTUC Media feel signal that NTUC Media Co-operative Downtown East which received good response Limited is gearing up for challenges ahead. from workers. One of the biggest challenges would be in the field of New Media which has taken Events, a growing portfolio the world by storm with a proliferation NTUC Media was re-engaged to take care of blogs and news sites that pose both of National Family Celebrations for the second opportunities and threats to traditional year running. Other events that NTUC Media media. To understand New Media better, took on included the Mistral Roadshow and several learning trips were organised for the SISEU Family Day. staff. NTUC This Week also embarked on The key social role of NTUC Media is to an effort to go online and was able to do promote the Labour Movement by offering so within weeks. Media is now exploring a range of publications and products that ways to harness New Media with the will reach out to its target audience. This Labour Movement for the future. social mission is achieved through its current Last year, NTUC Media offered full vehicles, NTUC This Week and Lifestyle which publishing services to Social Enterprises is Singapore’s largest circulating magazine.

126 127 NTUC Thrift & Loan Co-operative Limited 1 Marina Boulevard #15-08 NTUC Centre Singapore 018989 Tel 65347360 Fax 65347362 Website www.ntucthrift.com.sg

Board of Directors Chairman Chua Cher Choon

Directors Thomas Tay Jwee Hwa Leong Horn Kee Yeo Khee Leng and Healthcare Services Employees’ Union Chua Cher Choon Thomas Tay Karthikeyan Krishnamurthy Jwee Hwa Kuah Boon Wee (HSEU) – to encourage Ordinary Branch members Ryan Cheong to save on a regular basis. Thrift was able to work Adeline Sum Wai Fun with NTUC and its industrial relations officers to Secretary/ make this special scheme a success and it has Chief Executive Officer been very popular ever since. Daniel Tseng Bonus Savers Account For General Branch members, Thrift has the Leong Horn Kee Yeo Khee Leng Bonus Savers Account – a save-as-you-earn plan for members to save monthly via GIRO. Not only will members earn attractive interest on their savings, they will also enjoy bonus interest-on-interest earned*. There are currently 2,500 members who have saved approximately $10 million in their Bonus Savers Account. Since 1998, NTUC Thrift has been steadily Karthikeyan Kuah Boon Wee Krishnamurthy growing. As at end 2008, membership enrolment exceeded 84,000. Application is open to all members of NTUC-affiliated unions and cooperatives. *Terms and conditions apply.

from $26 million in December 2007 to $45 million in December 2008. Using the convenience of Ryan Cheong Adeline Sum More savings for Wai Fun GIRO, many members have signed up to save an a rainy day average of $1.6 million monthly to enjoy higher interest on their savings.

NTUC Thrift and Loan Co-operative Enbloc Savings Scheme Limited’s primary social goal is to promote The Enbloc Savings Scheme was another regular monthly savings to better prepare union significant feather in the cap for Thrift’s efforts members for financial emergencies. Thrift remains to do good, do more and do together with Daniel Tseng committed to this social role and widened its our unions. The Enbloc Savings Scheme was product offering to cater to the young and old started with branches from various unions – such alike. as Amalgamated Union of Statutory Board Thrift promotes the habit of saving by Employees (AUSBE), United Workers of Electronic offering members attractive rates for its Savings and Electrical Industries (UWEEI), The Singapore Account. Savings deposits grew by 73 per cent, Manual and Mercantile Workers’ Union (SMMWU) NTUC Thrift and Loan Enbloc Scheme helps to instill discipline among workers to save, as they earn attractive interest to build up their retirement income. This is an excellent scheme which UWEEI will continue to promote to members in our branch. Loh Kian Hin, Assistant Executive Secretary, UWEEI

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