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

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

"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

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

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 receive 96 personal days a

year. They are called Saturday & Sunday.

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.

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.

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TITLE

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TITLE TITLE TITLE

We are PROUD of you

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

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)

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"

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.

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.”

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."