1. I want to recognize the men and women who work so tirelessly to ensure we stay open
for business day after day, to serve you. Your dedicated CEO (give CEO name) and
his/her staff, as well as my fellow board members and you, —the supporting pillars of
this organization.
No organization, nor our country, for that matter could function without its supporting
pillars. Take our military, for example. We could have the most advanced weapons
and technology in the world, but without the men and women to carry those
weapons, or someone to manage the technology, how useful are they?
The same is true at your credit union. We can offer the most cutting-edge products
and services at the most competitive rates, but if we don’t have the manpower or
proper delivery channels, these products/services would never make it to you. And
you are the reason we exist.
Before I go any further, if you don’t mind, I would like to pause for just a moment to
pay tribute to the courageous men and women of the armed forces — these pillars of
strength — who so bravely lay their lives on the line to make sure the rest of us can
continue enjoying our freedom, and security. They make me proud to be an American.
Chairman Speaks

2. Core Values
How we create value:
•Acting with absolute integrity
•Collaborating, supporting and
respecting one another
•Communicating openly, honestly
and frequently
•Developing a highly motivated,
valued and diverse workforce
•Optimizing our financial and
physical resources
•Simplifying and improving our
processes continuously
Our VISION will be
accomplished by living
according to values that
speak to the economic,
social, and environmental
responsibilities of
business and society.
Vision
"Your beliefs become your thoughts. Your thoughts become your
words. Your words become your actions. Your actions become your habits. Your habits
become your values. Your values become your destiny."
Our MISSION will be
accomplished by living
according to values that
speak to the economic,
social, and environmental
responsibilities of
business and society.
Mission
Our VALUES will be
accomplished by living
according to values that
speak to the economic,
social, and environmental
responsibilities of
business and society.
Values

3. "You can never give up because quitting is not an option. No matter how
dark it is or how weak you get, until you take that last breath, you must
fight."
Following a poor first-half year performance the board of Company X tasked a senior
manager to investigate what was happening on the factory floor, since the directors
believed poor productivity was at the root of the problem. While walking around the
plant, the investigating manager came upon a large warehouse area where a man
stood next to a pillar. The manager introduced himself as the person investigating
performance on the factory floor, appointed by the board, and then asked the man
by the pillar what he was doing. "It's my job," replied the man, "I was told to stand by
this pillar."
The investigator thanked the man for his cooperation and encouraged him to keep
up the good work. The investigator next walked into a large packing area, where he
saw another man standing next to a pillar. The investigator again introduced himself
and asked the man what he was doing. "I've been told to stand by this pillar, so that's
what I do." said the man.
Two weeks later the investigator completed his report and duly presented his findings
to the board, who held a brief meeting to decide remedial action. The board called
the investigator back into the room, thanked him for his work, and then instructed
him to sack one of the men he'd found standing by pillars, since obviously this was a
duplication of effort.
Motivation Corner

4. Parivartan
Taking clients to breakfast, lunch or dinner has long been an
effective way to build relationships, make the sale or seal the deal.
Business meals are business meetings. Knowledge of your product or
service is crucial to the success of the occasion, but so are your
manners. Too many people jeopardize an opportunity because they
fail to observe the rules of etiquette. Business dining is not about the
food, the wine or the atmosphere. The focus is on dining for profit.
Know your duties as the host. It is up to you to see that things go
well and that your guests are comfortable. You need to attend to
every detail from extending the invitation to paying the bill.
Plan ahead when you issue the invitation. Allow a week for a
business dinner and three days for lunch. Be certain that the date
works for you. That might sound obvious, but if you have to cancel
or postpone, you can look disorganized and disrespectful of your
clients’ time. Select a restaurant that you know, preferably one
where you are known. This is no time to try out the latest hot spot.
Being confident of the quality of the food and service leaves you
free to focus on business.
Consider the atmosphere. Does it lend itself to conversation and
discussion? If you and your clients can’t hear each other over the
roar of the diners and dishes, you will have wasted your time and
money. Confirm the meal appointment with your clients the day
before if you are meeting for breakfast or that day if you are having
lunch or dinner. Things do happen and mix-ups occur.
Arrive early so you can attend to last minute details. This is the
perfect time to give your credit card to the maitre’d and avoid the
awkwardness that seems to accompany the arrival of the bill.
Take charge of the seating. Your guests should have the prime
seats—the ones with the view. As the host, take the least desirable
spot—the one facing the wall, the kitchen or the restrooms.
Much Ado About Business Dining

5. Get Plenty Of Zzzzz’s
DID you KNOW?
According to research, the most productive workday
is Tuesday and the least productive is Friday.
Eight Indian companies are listed on the NYSE;
three on the NASDAQ.
Nearly 49% of the high-tech startups in silicon
Valley and Washington, D.C. are owned by Indians
or Indian-Americans.
With busy schedules
and lifestyles, keeping
the mind, body and soul
healthy can be a major
challenge.
Stress is a MESS
Deepika Khurana
bags BEST MANAGER Title
She says, a good manager is a man who isn't
worried about his own career but rather the
careers of those who work for him.
Each employee will
receive96 personal days a
year. They are called
Saturday & Sunday.

6. Better
Leaders
Better
societies
Sunil Pandey,
AVP Marketing
"The Union Budget 2012 has been a
tight ropewalk between triggering a
roadmap for fiscal consolidation and
managing development & popular
sentiment. The increase in Service Tax
by 2% and an increase in excise duty
were anticipated and have resulted in
some fiscal respite.
Rajiv Dhull,
Brand Manager
Budget is pragmatic. Focus on
fiscal deficit is a welcome step.
The growth number looks
achievable. Reduction in
personal tax rates up to Rs 10 lac
gives relief to a large section of
people.
Akshat Singh,
IT Manager
"There are no major negatives with the
budget. It is broadly on expected lines,
and there are major surprises either
way. The numbers for the fiscal deficit
are more realistic than they were for
the last year, and with the rise in excise
duty and service tax rates, should not
be too difficult to get to.
Vishal Sachdeva,
Finance Manager
"The budget trajectory is headed
in the right direction. Despite
baby steps, the fiscal
consolidation exercise is positive
for country's finances. A good
announcement on Power,
Infrastructure, Agriculture and
cap on subsidies is positive.
Our Leaders voice their opinions on the Annual Budget 2012
Akshat Singh,
IT Manager
"There are no major negatives with the
budget. It is broadly on expected lines,
and there are major surprises either
way. The numbers for the fiscal deficit
are more realistic than they were for
the last year, and with the rise in excise
duty and service tax rates, should not
be too difficult to get to.
Vishal Sachdeva,
Finance Manager
"The budget trajectory is headed
in the right direction. Despite
baby steps, the fiscal
consolidation exercise is positive
for country's finances. A good
announcement on Power,
Infrastructure, Agriculture and
cap on subsidies is positive.

7. Congratulations! Keep
aiming higher! The sky is
the limit!
Congratulations! There's your
reward for all the hardwork you
put in! Enjoy every bit of it!
You did a great job. Indeed, a
huge achievement.
Congratulations.
Well done, you deserved
the success.
Congratulations to you.
With your serious efforts and sincere
dedication, you were sure to succeed.
Congratulations, well done. May you
always keep up the good work.
You did a great job. Indeed, a
huge achievement.
Congratulations.
TITLE
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We are PROUD of you

8. FMCG Quiz
Who is the CEO of the Britannia Industries?
(a) Falguni Nayar (b) Shikha sharma (3) Vinita Bali (4) Lalita gupte
With whom would you associate Renuka Ramnath?
(a) ICICI Bank (b) HSBC (c) ICICI Venture (d) ICICI Prudential
Chanda Kochhar is the executive director of ICICI Prudential Life Insurance. Is it true or
false?
With whom would you associate the NGO institution ‘SEWA’?
(a) Amrita Patel (b) Elaben Bhatt (c) Falguni Parikh (d) None
Name The Godrej woman.
Who is the director of the TAFE group; she was given the Economic Times Entrepreneur of
the Year 2006 Award?
(a) Radhika Roy (b) Zia Mody (c) Lalita Gupte (d) Mallika Srinivasan
Who is the head of the National Dairy Development Board?
(a) Shikha Sharma (b) Tina Ambani (c) Amrita Patel (d) Hema Ravichandran
With whom would you associate Vedika Bhandarkar?
(a) J.P. Morgan India (b) Deutsche Bank (c) SBI (d) ICICI
Who is the head of Human Resources Department in INFOSYS?
(a) Kalpana Morparia (b) Shikha Sharma (c) Renu S. Karnad(d) Hema Ravichandra
Tina Ambani, the wife of Anil Ambani runs a show annually in a year based on the world of
Art. What’s called?
(a) IMAGE (b) HARMONY (c) Arts &Crafts (d) Retreat

9. The Hard Way
The shapes, shadows, angles of
these rooms
Define my most authentic state,
leaving
No doubt of this ability
To come back for still more
And yes much much much
More of this finest medicine,
Without reservation while
These darkest of lines
Drawn to make all good edges
Cut deeply and often and
repeating
Themselves
With awesome force and frailty,
Lasting eternal, remorseful,
This slender grave now,
So hilarious.
Our culture is all about how we treat one
another at Bajaj and we believe its the key
to our success
I can go on and on for hours if I have to
write about Bajaj. I am lucky to get an
opportunity to work here. Infrastructure is
really good and atmosphere is friendly. I
am motivated to do good work here rather
than hard work.
Freedom to choose work. Providing base to learn
new things. Management is always ready to listen
and solve our problems (related to work or
personal). Always ready to hear our ideas. Good
friendly environment. No restriction regarding
timings.
Its my pleasure to write about Digicorp.
Work @ Company: There are many
opportunities for individuals to learn,
grow and to explore with new technology
and challenges. Mentor team is always
there to pull you out from the issues.
Employee Speaks
Read what our employees have to
say about us.
“Bajaj has given me a position
which has enabled me to
utilize my analytical,
conceptual and organizing
skills, my ability to lead
effectively as well as my firm
determination to think and
work hard."
- Udita Dua (Manager-
Underwriting)

10. MARRIAGES
Congratulations on your marriage
Aditya and Purnima had been dating for nearly two years and
living together for a year, when they decided to get hitched. His
proposal was sort of a non-proposal. From Purnima: "We were at dinner
with his parents and he kept looking at me strangely all night. We got home
and I asked what was up, and he said he was going to ask me to marry him
but thought his parents would make too big a deal out of it. I said, ‘NO lets
tell them, we should just go to Goa' and he asked if I would do that, thinking
I wanted a big wedding. I said Hell YES! and we booked it then and there. We
flew out exactly 2 weeks later and got married at the
beach"
Wishing you many years of happiness ahead
Aditya and Purnima had been dating for nearly two years
and living together for a year, when they decided to get
hitched. His proposal was sort of a non-proposal. From
Purnima: "We were at dinner with his parents and he kept
looking at me strangely all night. We got home and I asked
what was up, and he said he was going to ask me to marry
him but thought his parents would make too big a deal out
of it. I said, ‘NO lets tell them, we should just go to Goa' and
he asked if I would do that, thinking I wanted a big wedding.
I said Hell YES! and we booked it then and there. We flew
out exactly 2 weeks later and got married at the beach"

11. Events @ BAJAJ Corp Ltd
After a few pleasantries in the meeting room, the common term in the West is, 'let's get down to
business'. Western meetings generally run to a tight schedule with an organized, pre-planned
agenda. Meetings are for business. On the other hand, different cultures see the meeting as the
arena for building personal relationships and strengthening bonds. Getting down to business comes
further down the priority list.
When chairing an international business meeting it is always advisable to bear in mind the attendees'
cultures and backgrounds. Is it a very varied group or do the majority of participants have cultural
similarities? Think about their approaches to meetings. How have they acted in meetings before?
Can you identify the cultural reason why?
Prior to the meeting make it clear what the purpose of the meeting will be. What is the goal of the
meeting? Why are you asking each attendant? What do expect from them? Contact the participants
and discuss the meeting and what you require of each person. If ready, send them the agenda. If it is
a brainstorming meeting then maybe ask each participant to bring at least three suggestions with
them. If it is a meeting bringing together different areas within a company, let each attendant know
what people would like to hear about from them. Once a framework is in place people will know
where they fit into the picture. Many people find business meetings daunting. This may be a
combination of stage fright, sitting in front of the boss and feeling inferior to colleagues. This will
lead to anxiety, tension, nervousness and general discomfort. Try introducing subtle differences to a
meeting to put people at ease. Ice breakers offer a good tension release at the beginning of a
meeting. Warm ups offer a similar benefit. Try using an alternative setting instead of the meeting
room.Consider changes in the lighting or ambience.

12. Rising expenses are indicated for
the day which will force you to
save money. Official travel is likely
on the work front. Health will be
average.
Flexibility at work is on the cards
and you will benefit a lot from it.
Finances will be good. Your mind
will be occupied with concerns
over finances.
Finances are good for the day as
you will be able to decide on
effective investment plans. For
relationships, the day is very
good. Health will be perfect.
Today, your priority will be
relationships and career. Having
more social contacts will also be
on your mind. Expenses may
make you worried.
A promising and smooth work
area awaits you. A sense of
egoism may be evident in
personal life. Positive attitude will
enhance your spirits.
Today, your focus will be on
fulfilling the desires. Flexible and
logical approach is the best
strategy to improve career.
Personal relationships may not be
favorable.
A great day for finances. Stressful
situations are likely on the career
front. Relationships may face
some setbacks. Minor health
problems are indicated for the
day.
Minor adjustments in
relationships are the need of the
day. Health may not be
satisfactory due to chances for
skin diseases. For career, it is a
positive day.
Career will be promising and
smooth. Happiness through
financial income is obtained. You
just have to make some
adjustments to make it a
charming day
Occasional hurdles are possible
for the day. At work, a flexible day
awaits you. There are chances for
official travel as well. abilities will
be more than assets.
Finances may make you worried.
Concerns may also arise because
of relationships. Ensure that you
maintain good relationships with
sub-ordinates.
At work, things will remain
favorable and give you
opportunities to travel. Health
requires good care as throat
problems may occur.
ASTROLOGY
”Astrology can clear up or mix up a
person as much as any other
psychological, philosophical or religious
mirror, a looking glass in the endless
mirror hall of life.”

13. We wish you a hearty
Congratulations on this pleasant
news. May your life always
shower you with such happy
and successful moments. Well
done. Congratulations.
There's no question that an A Level is a great personal achievement.
The last ten days has seen huge public debate about the appalling
behaviour of a tiny minority of young people. Today, however, we can
all celebrate the success of the hundreds of thousands of students who
have worked hard and are collecting their well-earned results.
"We should also express our gratitude to teachers and other staff in
schools and colleges across the country for their dedication and
commitment in preparing their students for these challenging exams."
Universities Minister David Willetts said:
"We expect there to be more full-time, first-time undergraduate
students than ever before in 2011/12 and we have repeated last year's
pledge to fund 10,000 extra places. So it is likely that there will be
nearly 50,000 places available in the UCAS clearing system this year,
which aims to match unplaced students to unfilled places.
"Other options exist too. For example, you may wish to consider part-
time study (which is not included in the UCAS system) and there are
also more apprenticeships available than ever before."