Vishu - Money transfer | Unimoni India · This invariably makes service more transparent and...

Vishu, the festival of harvest and affluence, has brought loads of joy. It is a season every Malayalee around the world is full of dreams of prosperous days waiting in the future. Even the nature welcomes the season with golden-colorued, freshly-bloomed flowers adorning

the land, bringing smiles on faces.

Vishu

05 .........MD’s Message

06....Customers Speak

07.......Letter to Editor

10 ....Global Snapshots

14....................HR Faccia

19.................RH’s Report

20 ..................IT Buzz

22..........My Scribbles

25.....Women’s Corner

27 ..........Photography

29..........Special Days

Contents

issueApril 2015 1

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EDITOR’S DESK

Editorial Team

Sheeba JohnsonAnn Susan PaulFeba Jacob

Correspondents

Ratheesh VRVishnu MBenny Joseph TX

Design

Creative Communication

Cover Photo

Ann Susan Paul

Editorial Office

II Floor, Krishna Hospital BuildingMG Road, Kochi - 682 011Tel. No: 0484 3047092 [email protected]

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www.uaeexchangeindia.com

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Happiness can never be defined. It is an emotional state of mind that gives us contentedness, satisfaction, and delight. You can be happy in

two ways – through selfishness or through selflessness. It is your choice. People, though, tend to support the positive and moral side of everything.

Selfishness, put in simple words, is being concerned about our own happiness even at the cost of others’ disappointments. It is primary concern for ourselves, without caring for the happiness of others. A selfish person will show no concern for other persons.

It is a fact that every one of us has a ‘self ’, but it depends on how well this ‘self” is watered and pruned. Being selfless is a quality that we need to cultivate in ourselves with positive habits and strong will power. It is a quality that makes us think about others before trying to be happy by ourselves. The traditional system of joint-family, despite its umpteen drawbacks, was the best stage for nurturing healthy emotions of affection, love, concern, sympathy, and empathy in the younger generations. The joy of giving and sharing can never be purchased, but it should be an instinctive gesture.

Today, the nuclear families are responsible for developing children filled with self-centred words like “I” and “me”. How much are we ready to sacrifice for the joy of others? It is high time we gave up the possessive thoughts in our minds that are binding our lives. Let younger generations experience the joy of giving, loving, sharing, and sacrificing for others, irrespective of their relationships.

How could these qualities be taught to the younger generations? Is it not time for us to stop dictating and start practicing? Our behaviour and habits are the best lessons through which we can teach our children the joy of selflessness.

Does any one of us know our life span? What do we leave behind for our next generation? The selfishness, which has made us unhappy, or the valuable lineage of selflessness? Let us be the change. Say NO to selfishness and let us enjoy a selfless and happy tomorrow.

Selfishness and happiness will never go together

Ebby AbrahamEditor-in-Chief

Xpressions - April 2015 5

MD’S MESSAGE

New Financial Year has brought many changes and challenges in our fields of operations. With an efficient management, high infrastructure facilities, and dedicated personnel, success is

guaranteed for any organisation. The continuous improvement in methods, processes, and technologies ensures that we remain amongst the best to deliver high quality products to the customers. We should be efficient to examine and analyse all the areas of work with different perspectives and make the corrections wherever required.

Our customers always expect us to exceed their expectations. When the industrial trends depict an anticipated marketing trend catching simple customer moments, we could hardly linger on with the age old traditions. We need to think differently and act differently and need to innovate and deliver value-added products and services. We need to implement astute marketing strategies which contribute towards achieving the sustainable growth of the company and customers are also benefited.

To attain success, analyse your strengths and weaknesses. Understand your weaker areas and start working on them. Work on the weakness and develop your potential, which will built your confidence and lead you to growth. Growth is often found to be a collective action resulting in more effective success. Services

industry inevitably relies on committed services which could be put into practice through the collective action of each employee of the company.

Compliance is fundamental for all business and we have been continuously improving our system from better to best. Hence proper awareness about the compliance would bring much more effective implementation of the same at all levels of the company. This invariably makes service more transparent and reliable for the recipients.

India is one of the world’s fastest growing economies, moving on to greater heights at an alarming pace. Digital India is the ultimate aim of our present government, we as a company is also accepting digitalization in almost all spheres of our work space. Since inception, our company’s mission has remained unchanged. We have created new values and provided quality service to our esteemed customers.

The future is always unpredictable and we need to expect the unexpected twined with hassles on our way. We need to boldly face the difficulties with a challenging spirit, which is the essential requisite for survival. Hence keep striving to achieve higher goals without setting any limitation to ourselves.

Thank youV George Antony

Managing Director

6 Xpressions - April 2015

CUSTOMERS SPEAK

Appreciation letter from Mr G Babu Sankar for Ms P Vijayalakshmi, Chidambaram branch

ToThe Branch Head,Chidambaram BranchUAE Exchange India

Dear Sir,

I am very happy to be a part of UAE Exchange family. I came to the branch for a money exchange transaction. I would like to compliment your employee, Ms P Vijayalakshmi for the excellent service she has provided me. The staff helped me in doing this transaction well. The cooperation from the staff was very useful.

I am pleased with the service I have received at your branch. Your staff has good commitment, and such customer service is to be commended. I will surely recommend the services of UAE Exchange to my friends and relatives. In future also I will continue to do business with your team.

I wish you and your team good success.

Sincerely,G Babu SankarAnnamalai Nagar

Appreciation letter from Mr S Suresh for Ms Vinodhini V, Perambalur branch

ToThe Branch Head,Perambalur BranchUAE Exchange India

Dear UAE Exchange,

I am very happy to be a part of UAE Exchange family. I came to the branch for passport clearance and for booking ticket to Qatar. I would like to compliment your employee, Ms Vinodhini V, for the excellent

service she provided. The staff helped me in doing this transaction well. I am a regular customer at Perambalur branch.

I am pleased with the services I have received at your branch. Your staffs have got good commitment, and such customer services are to be commended. I will surely recommend the services of UAE Exchange to my friends and relatives. In the future also I will continue to do business with your team. I wish you and your team good success.

Sincerly,S SureshPerambalur

Appreciation letter from Mr Halima Choughuley for Mr Prasad and Mr Abhijeet, Chiplun branch

To The Branch Head,Chiplun BranchUAE Exhcange India

Dear Sir,

I am very happy to be a part of UAE Exchange family. I came to the branch for a vehicle loan transaction. I would like to compliment your employees, Mr Prasad and Mr Abhijeet, for the excellent services they provided. They helped me in doing the transaction well.

I am pleased with the service I have received at your branch. Your staffs have got good commitment, and such customer services are to be commended. I will surely recommend the services of UAE Exchange to my friends and relatives. In the future also I will continue to do business with your team. I wish you and your team good success.

Sincerly,Halima ChoughuleyChiplun

Sharing with our readers some of the appreciation letters received from our valuable customers...


LETTER TO EDITOR

More Space for Letter to Editor

Congratulations to all minds behind our great magazine, Xpressions. It is a great platform for us to express the known and unknown talents that are within us. Xpressions team is doing a great job. There are a few suggestions that I would like to provide. It would be great if we have a special column for new employees who join UAE Exchange India family. If would also be good if we have a special column in regional language. There could also be special space

Xpress Money culminated its “Send and Fly” promo campaign by awarding 70 round trip air tickets to the lucky Filipino winners of the 50-day long promo campaign. The special 2014 year-end promo was conducted in collaboration with Cebu Pacific Air. Through the

for cartoons and jokes created by employees, like funny mistakes that have happened to them. Letter to Editor column is a way to communicate and share our opinions, suggestions, our feelings, and all that waves in our minds about Xpressions. It will be more beautiful if more space is allotted for the same. Once again I would like to congratulate each and every one of the Xpressions team and I wish and pray for more glories ahead.

Riya Mini VarmaAO – Digital Communication

XPRESS MONEY

Xpress Money Concludes “Send and Fly” Promo

Xpress Money and Pubali Bank Launch Basanta Utsav Promo

promo, overseas foreign workers from the Kingdom of Saudi Ara-bia, Kuwait, and the United Arab Emirates could win a chance to go home in the Philippines for free. The promo was formed to appreciate the efforts of foreign workers’ community that sacrifice a lot of comforts of lives for their families overseas. The promotion was well-received and highly ap-preciated by all those who par-ticipated in it. The excitement and happiness of the winners were very much evident during their felicitation ceremony as most of them had already prepared to

visit their homes. They also expressed their gratitude for providing them an opportunity for which most of them had been longing for long.

Xpress Money, in association with Pubali Bank, has launched the “Basanta Utsav” promo, joining the celebration of Basanta Utsav, a festival that traditionally marks the first day of spring in Bangladesh with dance, music, and cultural programmes. The promo, which started on 10th March 2015, will last for 42 days till 20th April 2015 in all the 434 branches of Pubali Bank. During the promotion, beneficiaries, who receive cash through Xpress Money at any Pubali Bank branch, will receive an assured gift and will also qualify for the weekly and mega electronic draws. Customers stand a chance to win 30 air-coolers as weekly prizes and a Singer 14 CFT refrigerator as the mega prize. Basanta is the most loved season of all the 6 seasons that Bangladesh is known for. To make this season even more special for the customers of Xpress

Money, they have launched the promo, which will certainly bring smiles on the faces of Bangladeshis, said Mr Shamim Iftakhar, Country Manager – Bangladesh, Xpress Money.


NEWS DESK

Branches Shifted

Taking into consideration the convenience and easier accessibility of the best services of UAE Exchange India for its customers, three branches were shifted to more opportune locations. Through the new locations, the company looks forward to widening its network throughout India with the sole aim of serving the populace by introducing the latest financial solutions to all.

Korutla BranchMLA Mr Kalvakuntla Vidhyasagar Rao inaugurates the new premise of Korutla branch.

Aluva BranchMr TM Jacob, Aluva Municipal Chairman, inaugurates the new premise of Aluva branch.

Erragada BranchMr Bharat Shah, Director, BNI India, inaugurates the new premise of Erragada branch

Customers are the real gems of any company, and for UAE Exchange India, a company that is known for its customer-centric policies and easily-accessible services, has always upheld the belief that the real reward for its services are the smiles on the faces of its customers. With the aim to preserve the trust of its customers, the company conducts Customer Meets in its various branches located at different places in India every month. Eminent personalities, businessmen, inspirational speakers, etc. are special guests at such meets who are invited to impart their valuable knowledge among the employees and the valuable customers of UAE Exchange India. During customers meets, lucky draw contests, entertainment programmes, and interactive sessions are conducted for the guests, and the winners are awarded with interesting prizes.

Srikakulam branch of UAE Exchange India conducted a social awareness programme – Passport and Pan Card Mela, for the students of Aditya Institute of Technology and Management, Tekkali. The Passport and Pan Card Mela saw a number of students approaching the staff for various clarifications regarding various aspects of applying for passport and pan card, which are two of the most important documents the students would need in their future. Along with assisting the students and staff of the institution with passport and pan card application process, the branch staff used the opportunity to introduce the profile of UAE Exchange India and its products and services. About 60 students attended the meeting and earned knowledge about the various processes involved in applying for important documents. Through the social awareness programme, UAE Exchange India aims at educating the common people about day-to-day activities and government procedures that are sure to help them to a considerable extent.

Thankasi Branch

Guntur Branch

Bheemgal Branch

Customer Meets Passport Mela for the People of Srikakulam


NEWS DESK

Golden Feathers of Honour

UAE Exchange India won the PRCI Collateral Award for the category “Best In-house Journal” for the company’s internal magazine “Xpressions”. UAE Exchange India Regional Head Mr Mohabat Pal Singh received the award on behalf of UAE Exchange India at the award ceremony held at India Habitat Centre, New Delhi.

UAE Exchange India MD Mr V George Antony received the PRCI Chanakya Award for National Achievers 2015 in the category “Entrepreneur of the Year”. Mr Mohabat Pal Singh, Regional Head – Delhi, received the award on behalf of Mr George Antony at the award function held at India Habitat Centre, New Delhi.

UAE Exchange India Managing Director Mr V George Antony and Chief Financial Officer Mr Krishnan received a token of appreciation for their outstanding contribution in financial services for Xpress Money, a global money transfer branch, during the year 2014. The award was presented by Mr Arvind Mylar, Vice President – Business Development, MENASA, Xpress Money Services Ltd. UAE Exchange India extended its wholehearted support, being a proud agent of the global brand, for taking a higher technologically advanced version of financial services to the public. The company stands unique in the financial sector of India with its customer-supporting policies and innovative ideas.

Emirates, one of the largest airlines in the Middle East and a global connector of people, places and economies, honoured UAE Exchange India MD Mr V George Antony and other top travel associates of India at a gala dinner at the Armani Hotel, Dubai. The event was hosted by Sheikh Majid Al Mualla, Emirates’ Divisional Vice President. Honoured guests enjoyed an evening of fine dining and entertainment in acknowledgement of their contribution to the airline’s success.

Appreciation for Outstanding Support

UAE Exchange India MD Wins PRCI Chanakya Award 2015

Xpressions Wins PRCI Collateral Award 2015

Emirates Honours UAE Exchange India


GLOBAL SNAPSHOTS

UAE Exchange, in order to aid global expansion by supporting fast-growing portfolio of web-based applications for new services, has merged its data centres with Red Hat Enterprise Linux and Red Hat Satellite. Through the consolidation, the company has created a scalable, secure, robust, and high-performing data centre environment for its IT infrastructure. The new solution will enable UAE Exchange to rapidly scale its operations and open new branches

UAE Exchange Consolidates Data Centers with Red Hat

The commendable growth of UAE Exchange and its customer-centric approach to service have earned it The International Standard for Service Excellence (TISSE) 2012 certification, which is conferred by The International Customer Service Institute (TICSI), an independent member organisation enabling the recognition and sharing of global best practices in customer service excellence. TICSI accredits this certification to enable organisations to focus their attention on the delivery of excellence in service quality. TISSE is the first global standard for customer service in the world. With this, UAE Exchange has become the first financial institution to receive the TISSE 2012 award in the Middle East and African region.

UAE Exchange Gets Accredited with TISSE Certification

UAE Exchange CEO and co-founder Mr BR Shetty was conferred with the Deal of the Year Award by Indian CEO Awards at an award ceremony held at Dubai. Mr Andrew Neil, ITP Chairman, presented the award to Mr BR Shetty for his work in securing Travelex Holdings Ltd, a foreign exchange group. Mr Shetty’s entrepreneurial passions are an inspiration to many, and his efforts have brought him prestigious awards and international acclaim. The merging of UAE Exchange and Travelex is expected to greatly benefit customers of both the companies.

UAE Exchange CEO Receives Deal of the Year Award

around the globe and will also hopefully help the company achieve ISO 27001 certification for information security management. The new deal is expected to reduce the concerns of rapid expansion of business and availability of services. The consolidation of the company’s IT division is expected to facilitate aggressive growth and expansion by building, testing, and deploying applications faster.


UAE Exchange to receive SSS Payments. Daily Tribune, 18th March 2015.

MEDIA CLIPPINGS

Article on “Factors Affecting Foreign Exchange” authored by UAE Exchange India MD Mr V George Antony. The Hindustan, 15th March 2015.

Xpress Money, Cebu Pacific Air announces winners of promotion. Gulf Today, 2nd March 2015.

Budget focuses on increasing employment opportunities - Mr Sudhesh Giriyan. Siraj, 2nd March 2015.

UAE Exchange FLASHremit integrates with IMPS of India through YES Bank. Deepika, 8th March 2015.

Edappal Babu’s Pranamam event sponsored by UAE Exchange and Xpress Money. Gulf Madhyamam, 16th March 2015.Migrant Money Transfer. Quote of UAE

Exchange India MD Mr V George Antony. The Hindu, 21st March 2015.

UAE Exchange offers instant India bank transfers. Mathrubhumi, 9th March 2015.


eeeSPECIAL MEETS

Officials of UAE Exchange India participated in a seminar on “Profit Mantras for Businesses” organised by the Federation of Indian Micro and Small & Medium Enterprises (FISME) and Kerala Chamber of Commerce and Industry (KCCI) at Dream Hotel, Kochi. The seminar focused on various relevant topics of business, such as finance, marketing, and technology. Eminent personalities, including SMERGERS Founder Mr Vishal Devanath, The Innovation Workgroup

UAE Exchange India MD Mr V George Antony participated in the 3rd Email Marketing Summit 2015 conducted by Internet and Mobile Association of India (IAMAI) on 12th March 2015 at Shangri-La’s-Eros, New Delhi. Along with MD Mr George, UAE Exchange India Zonal Head Mr Atul Aswal, Regional Head Mr Mohabatpal Singh, and Digital Communications Head Mr Vaishak Uthaman also participated in the summit. IAMAI set up this summit with the vision of sharing knowledge and awareness of email marketing as a tool. It was formulated with the idea of highlighting the nuances of email marketing which could amplify the efficiency of campaigns by brands and businesses. The focus of the summit was on how to deal with the challenge of creating a truly personalised email experience.

UAE Exchange India Participates in 3rd eMail Marketing Summit 2015

CEO David Wittenberg, who was the chief guest for the function, and Mr Joe Joseph of Hewlett-Packard – India graced the occasion. Detailed presentations on financial matters, new style of information technology, bringing practical wisdom to entrepreneurs, and the current developments happening in the business sector around the world were the highlight topics of the seminar.

Profit Mantras for Business


SPECIAL MEETS

UAE Exchange India conducted Branch Heads’ Meet for its regions. MD Mr V George Antony graced the occasion along with zonal heads, regional heads, branch heads, and best-performing employees of each regions. The meetings were fine platforms for all branch heads under the regions to share their success stories and detailed presentations about the performance and achievements of their branches. The officials also discussed about the various strategic plans to be implemented in the future to bring about a healthy change in the company’s overall performance. The plan of action was also discussed in the meeting as a guideline for the future.

MD Mr V George Antony shared his views on new-age technologies and the changing phases of total banking system. He discussed about the global changes that are taking place around the globe, and shared his views of the immediate need to be accustomed with web and mobile apps, social network-based marketing tools, and other digital platforms, which are soon going to rule the world. In order to sustain in the competition, it is highly necessary to follow the right practices and the company’s values. Sharing the words of encouragement and wisdom, MD Mr George Antony motivated the participants for their future endeavours to achieve new heights.

Various critical topics of discussions, such as the benefits of working as a cohesive unit, guidelines for rectifying pitfalls and taking corrective measures, and steps to improve customer relationship were the highlights of the meetings. The officials of the company could interact with others and impart their knowledge about

UAE Exchange India Conducts Branch Heads’ Meet

various business techniques and strategies, plan of action for better services, and about building healthy customer relationship and support. During the meet, the best performing staff and branch of the region were honoured by MD Mr George Antony with special gifts for their performance.

Andhra

Kolkata

Rajasthan

Bangalore

Chennai


HR FACCIA

The beginning of a new financial year is a time to introspect about things to be accomplished and to contemplate the future.

Creating an engaged and motivated workforce can help make an organisation more innovative, productive, and profitable. In order to be always engaged, look out for activities that will keep you occupied throughout and will help you improve your skills. I am sure everyone is well aware of ECP (Employee Credit Point). I am happy to inform you that ECP has been made live in HRMS. I hope that all will take part in this initiative positively and win exciting prizes that are available.

Once you are engaged in the work you do, the next step is to empower yourself. How does one empower oneself? Try to follow these simple steps:

1. Make your path to advancement clear: Define your career path. Once the work allotted to you is performed with excellence, you are sure to move up the company ladder.

2. Challenge yourself: Think of alternatives to make your job interesting. Question yourself as to how you can perform your work in an efficient manner.

3. Measure the work you do: Evaluate the work you do. Ask your boss for help and discuss the areas you go wrong.

4. Get innovative: Get out of your usual work schedule and try doing your work a little differently.

You have engaged yourself and have got your destination set. All that you got to do now is align yourself to reach the destination. Let us all make a promise this financial year to take all efforts and step out of our comfort zones to face challenges positively.

Johnee Praveen R

HR Head’s Note

Engage, Empower and Align One Step at a Time

Know the concept

Anti-nepotism policy: An employer’s policy that restricts the employment of two or more family members at the same time. Bidding: The practice of posting all job openings internally so that current employees may be allowed the opportunity to apply for vacant positions prior to the employer seeking qualified candidates through external recruitment measures.Blind Ad: A job advertisement placed in a newspaper, trade journal/publication, magazine or internet job board that contains no identifying information about the employer placing the ad.

The Top 200 Secrets of Success and the Pillars of Self-Mastery

By Robin S. Sharma(Author of “The Monk Who Sold His Ferrari”)

When choosing your life partner, remember that this is the most important decision of your lifetime. The marriage relationship offers 90% of all your support, happiness and fulfilment so choose it wisely. Consider qualities such as affection, sense of humour, intelligence, integrity, maturity, temperament, compatibility and that indescribable characteristic of chemistry. If these are present, your relationship stands an excellent chance of great success. Move slowly and let no one press you into an uncomfortable decision.

Never discuss your personal development activities with anyone. Your strategies for expanding your mind and spirit are your own. Others might not understand the value of personal-mastery and, further, will take away your credit when you meet with success by saying that you relied on techniques. Keep these self-development activities to yourself.

Schedule relaxation time into your week and be ruthless in protecting it. You would not schedule another activity into the time planned for an important meeting with the president of your company or your best client so why would you put off a period to invest in yourself? We must have time for ourselves to reflect, unwind and recharge our batteries. These are the renewal activities that allow us to maintain peak performance and are exceptionally valuable periods.

83% of our sensory input comes from our eyes. To truly concentrate on something, shut your eyes and you will remove much distraction.

Be the master of your will but the servant of your conscience.

(To be continued...)

Did you know? HR Department has launched Engagement Credit Point (ECP) Participate in various engagement activities and earn ECP Redeem the points against gifts. There are many ways to earn

points. Watch daily mails, HR notice board, newsletters, WhatsApp Groups and our Facebook page.

Employees can know their points from HRMS page. Check HR Notice Board for more details of ECP.


HR FACCIA

Congratulations to those who joined in the month of February and March, and have completed 10 years and more!

HR Puzzle – 26

1) Replace the “?” by the correct mathematics symbol to make the expression true. 18 ? 12 ? 4 ? 5 = 592) What is white when it is dirty and black when it is clean?3) Johnny’s mother had three children. The first child was named April. The second child was named May. What was the third child’s name?

Please send in your answers [email protected] with HRPZL 26 as subject line

Branch Name Date Of JoiningAudit Office - Delhi Syed Ameeruddin 01-02-2001AO - It Division Jos Babu 14-02-2001AO - Purchase Lakshmikanth. P 01-02-2002AO - Human Resources Johnee Praveen R 04-02-2002AO - Loans Business Rekha P Prabhu 01-02-2003ZO - Delhi & Punjab Rosy Verma 24-02-2003Perambalur (Plr) N Ramkumar 02-02-2004Audit Office - Kolkata Kumar Gauraw 01-02-2005Country Head Office Pradeep Kumar C S 01-02-2005Patna (Paa) Rohit Kumar Srivastwa 01-02-2005Vadakara (Vad) Seema Anilkumar 01-02-2005Pattambi (Pat) Chittanipara Jiju 01-02-2005Jallandhar (Jal) Ravinder Singh Chauhan 01-02-2005Kapurthala (Kap) Harsh Gulati 01-02-2005Adoor (Ado) Jitha Ebby 01-02-2005Kayamkulam(Kay) Santhosh Unnithan R 01-02-2005Kazhakootom (Kaz) Bijuraj R S 01-02-2005AO - Accounts Suresh B 02-02-2005Dharbhanga(Dha) Praveen Kumar 02-02-2005Payyannur (Pay) Hemalatha V K 21-02-2005Kundara(Kud) Vinu M Thampan 21-02-2005ZO - Central & South Kerala Prakash Bhaskar 25-02-2005RO - Mumbai Chandrakant.r.palkar 07-03-2000Bangalore - M G Road (Ban) Mallika Shetty 15-03-2001Varkala (Var) Viji Senan 15-03-2001AO - Human Resources Rekha Menon 01-03-2002AO - Travel Ratheesh V R 03-03-2003AO - Human Resources Benny Joseph Tx 05-03-2003AO - It Division Binu K X 01-03-2005AO - It Division Jomy Luke Xavier 01-03-2005Mananthavady (Mty) Pratheesh. K V 01-03-2005Iata Office - Chennai J Babu 02-03-2005Iata Office - Hyderabad S Sahul Hameed 16-03-2005Kollam-Chinnakada (Koh) Gertrude Xavier 16-03-2005

mentioning your employee code. From the first 50 answers, one lucky employee will get a surprise gift from HR. HURRY UP!!!

Answer to HR Puzzle 25

1. It is the digits 0 to 9 in alphabetical order2. All the numbers are multiple of 4, except 70.

Winner of the last edition HR Puzzle is Mr Asharaf CS , AO – Accounts Department.Dear Asharaf, your prize would reach you in 7 working days


FEATURE

Easter, also known as Resurrection Sunday, celebrates the resurrection of Jesus Christ after death. According to The Bible, Jesus Christ, who died on the cross of Mount Calvary, resurrected from death on the third day. The holy death symbolises the enduring promise of eternal life by Christ, who,

according to The Bible, died for the sins of mankind and resurrected on the third day and ascended to the Father in heaven.

The death of Christ by crucifixion is commemorated on Good Friday, and Easter is celebrated on the third day after Good Friday, which calls to remember the resurrection of Christ. Easter time is considered one of the most important liturgical times for Christians. The holy week culminates on Easter Sunday, a time of hope and assurance.

Easter


FEATURE

In India, Easter celebrations began in the pre-Independence period when the British ruled the country. The holy day is celebrated in India among Christians in great religious vigour, in the southern states of the country, especially Kerala. People exchange gifts, prepare traditional delicacies and share with neighbours and family, and attend special church services. All over the world, churches prepare special elaborate programmes on the holy day that illustrate the death and resurrection of Jesus Christ.

Good Friday is observed around the world by attending special church sermons and rituals. Some Christians consider Good Friday as bad because Jesus Christ was crucified one the day. Some believe that the “good” represents the gift of eternal salvation that Christ brought for the people of earth through His death and resurrection. Good Friday is also observed as the end of the Lent season, an important observance in the lives of Christians. During this season, a span of 40 days, people observe fasting, abstinence, and penitence in commemoration of Christ’s fasting in the wilderness.

Easter Sunday, the day of hope and assurance, is celebrated with great religious sentiments. The holy day honours and remembers the eternal hope of humanity’s path to glory and salvation. If Christ had not resurrected, He would have been considered just as another teacher or rabbi.

The purest meaning of Easter is the celebration of the resurrection or ascension of Christ to heaven, which is the foundation of Christianity. Easter Sunday reminds all Christians of their heavenly calling and of the open door for relationship with God through Jesus, His Son.

Today, the meaning of Easter, for millions of Christians, is that of honouring and recognizing Jesus Christ’s resurrection from the dead, and His glorious promises of eternal life for all who believe in Him.


BUSINESS NEWS

Remittance by Kerala NRIs Increase by 42 per cent in2013-14Deposits by Non-Resident Indians (NRIs) in Kerala witnessed a growth of about 42 per cent in 2013-14 according to the state government. The NRI deposits now account for more than a third of the total deposits in Kerala’s commercial banking system. About 90 per cent of the state’s 2.3 million diaspora is in the Middle East. The Kerala Migration Survey 2014 published recently reveals that the United Arab Emirates

(UAE) attracted 37.5 per cent of the Kerala emigrants and retains its top position; Saudi Arabia stands second with 21.8 per cent and Oman stands third with 7.9 per cent of the Kerala emigrants. Recently, the Indian government also revealed that the country has received $34.9 billion in

remittances in the first six months of 2014-15 and is likely to surpass the previous year’s $69.6 billion by the end of the current fiscal.

Facebook Restricts 5832 Pieces of Content from Indian UsersIt is quite alarming the amount of content that Facebook has restricted from Indian users. According to the Transparency report released by Facebook for the 2nd half of 2014, India leads the content restriction done for any country, that too by a fair margin. Facebook removed 5,832 pieces of content posted by Indian users. In comparison, United States had none, United Kingdom had 3, Germany had 60, and France had 13 pieces of content removed. In the first half of 2014, a total 4,960 pieces of contents were restricted, which increased to 5,832 in the second half of 2014. According to Facebook, they restrict access to content which is reported primarily by law enforcement agencies and the India Computer Emergency Response Team within the Ministry of Communications and Information Technology including anti-religious content and hate speech that could cause unrest and disharmony.

Facebook Introduces Payments in MessengerFacebook has introduced a new feature in its Messenger that allows users to send money to each other. Users of Messenger can link their debit cards to the service and use it to message money to one another just as easily as they send a snapshot or text. The introduction of its payments feature is likely to cause tremors in the nascent market for instantly sending money to individuals, known as peer-to-peer payments. With its service, Facebook wanted to simplify the process of sending money as much as possible. To reduce the risk of unauthorised transactions, users must enter a PIN or use Apple’s fingerprint identification system before they can send the money. By using debit cards to handle the transfer, the money can move fairly quickly between the two bank accounts while allowing Facebook to offer the service free to users.

Weak Euro to Leave More Money in the Hands of UAE ResidentsA weaker Euro near its lowest level in twelve years could have a dampening impact on inflation in the United Arab Emirates as food items imported from the Eurozone get cheaper, leaving more disposable income in the hands of consumers. Food inflation contributes to a large extent in the UAE inflation index, which has been rising mainly due to housing expenditure and miscellaneous goods and services, and could be offset by falling prices of fruits, vegetables, and others items that come from Europe. Due to a trillion dollar quantitative easing announced by the European Central Bank, cheap credit to companies in the Eurozone could boost expenditure, revive investments, thereby boosting the GDP, fuelling reverse carry trade in the economy by investors in search of yields. European companies enjoy a low interest rate environment, which enables them to refinance their obligations. A weaker euro has been helpful in making European exports attractive, and a lower oil price is expected to benefit the consumer.


RH’S REPORT

I started my journey with UAE Exchange India from Ratnagiri branch as an assistant manager, where I had joined on 13th November 2008, on the day of Sri Gurunanak Jayanti. Before joining UAE

Exchange, I worked with Axis Bank. I headed Ratnagiri branch for about four years. With wonderful support and the positive attitude of my team, the branch could always hold a top position in the region. With outstanding customer service, the branch has always been showing growth in all the verticals of their work. The loyalty and the commitment of the team members always encouraged me to look for new challenges. We could initiate many new ventures at branch level to retain our performance, which has helped the branch remain in the top position.

Two years ago, on 1st November 2012, the management of UAE Exchange India gave me a new assignment - to take charge of Goa region, which is spread in two different states. The region was in the last position at that time, and it was incurring huge loss for the company during the financial year 2012-13. Initially, our aim was to boost up our teams and to bring up the region from the deep pit of loss. High staff attrition rate and low per-employee contribution were the major challenges we faced at the initial stage. We recruited new people and gave them effective training to improve the productivity of the region. We appealed our colleagues to improve their contribution to the region. All our branch heads and their teams responded to our call and turned around in a very

Mileswe reached,miles yet to go…

positive manner. All negative vibrations started vanishing gradually; a changed approach and improved view could be seen among all the branches of the region. By the end of the financial year 2013-14, our region started contributing revenue to the company with a remarkable surplus growth. The new financial year 2014-15 came, and we started with remarkably higher figures. We covered our yearly surplus target in the third quarter itself.

When looking back at my journey with UAE Exchange, I feel very happy as I could learn and do many new things. During my career, I could implement my ideas; I had complete freedom from my superiors and tremendous support from my colleagues. I will always be thankful to our MD Mr. George Antony for trusting and giving me a chance to hold this position as the regional head of Goa. Our Zonal Head Mr. Aravind has always stood firm behind us and has encouraged us to walk on the path of ascension. During this journey, all departments of the company have supported us. It was because of their help and cooperation that we could achieve what we wanted to. We know that this is not the end. Our destination is still far away. We are far away from the crest, but we are sure that we will be reaching there soon.

Vishal JoshiRegional Head - Maharashtra and Goa


IT BUZZ

Internet, a word known to all, is in the limelight for the last couple of decades. It has become a part of life in such deeper meaning that the society tends to call a person illiterate if he or she doesn’t

know how to use internet. The main usage of internet are in the fields of communication, research, education, financial transaction, real time updates, news, leisure, e-commerce, weblog, and career.

We are always connected to the internet, may be through our mobile phones or through our branch network. But are we using

Internet - use it Sensibly


IT BUZZ

the internet in the right way? There are several laws that we must abide to, and moreover, a little care can do wonders in experiencing the internet. Laws apart, here are some things that you can observe to make sure that you are using internet to the maximum.

Use internet as reference material: The internet is a source of tonnes of data and processed information. You can use internet for reference. Use it as a library at your disposal and it can be your virtual (or actual) University. Please don’t copy any material from the internet without giving due credit. Taking someone else’s work and claiming it to be yours is called plagiarism, which may land you in trouble.

Use internet to meet others: Internet reduces the gap between nations and continents. You can freely get in touch with people of different countries and share knowledge and culture. Though emails, blogs, chat, forums, VoIP services, and the trending WhatsApp, communication can happen instantly and effectively over the Internet.

Respect others’ privacy: Just as you expect yours, make sure that the privacy of others is also respected. Give respect and take respect.

Trust a site: Learn to evaluate a site for accuracy and validity. Many sites are designed solely to sell.

Share: Share your financial and credit information to secure and trusted sites only. Keep a record of online transactions and check your bank account regularly.

Position: Keep your computer in a public place in your home and monitor the traffic, especially if you have children in your house.

Unsecured connection: It is always nice to get something free. But, always make sure that you are not accessing your bank account or doing any e-commerce transaction over a free and public WiFi.

Keep your machine ready: Make sure you have a firewall, an anti-virus, in your computer/laptop. Do not install software that you are not sure of. Do not choose the option “Remember Password” whenever prompted. Always update your browser to the latest version available. Update your anti-virus and lock your computer when not in use.

Email: Emails are to be opened with caution, especially when there is an attachment. Do not click on any links or attachment sent from an unknown person without verifying.

Passphrase/password: Open sesame! And no password is that difficult to crack. Wherever possible, make sure to include special characters and different cases in your passwords. Try to change it often. Do not share any of your passwords with others. Just imagine someone doing a transaction, violating mandates, or sending spurious email from your account. Note that this is not a comprehensive list, but a basic one that you can adhere to.

Vishnu MAO – IT


MY SCRIBBLES

Happy New Financial YearA company gets its edge from the attitude of its people– its leaders, its supervisors, and front-line, back-office, entry-level, and long-term employees.

If employees are always made to feel valued and appreciated, there are more chances of them being more engaged in their works and would want to stay with the organisation. Higher the engagement levels, higher the attitude barometers of them rise. Due to this, results-orientation improves at workplace.

Success is basically attained through good attitude, rather than technical achievement. A supervisor, who demonstrates and knows how to build positive attitudes, can lead a departmental workforce to success. Even an average level of experience and skills is required to achieve high productivity and produce successful performance. This is called teamwork, and it happens often!

Attitude is the way we think about something or someone. Our attitude is something other people can actually see. They can hear it in our voice, see it in the way we move, and feel it when they are with us. Our attitude expresses itself in everything we do, all the time, wherever we are. Attitude makes a difference in every hour, everyday, in everything that we do for our entire lives. Our attitude towards our work will equal the result we get from it. Anything that we do with positive attitude will bring us results. Let go of things that are not in our control. We can develop a positive attitude by emphasising the good, by being tough minded, and by refusing defeat.

Let us be good to ourselves. Enjoy the ride and make a positive impact on our career and workplace with a positive attitude.

Sometimes, words may fall short when we try to bid someone a heartfelt goodbye. What would be the many feelings that would rush to our minds when we try to

wish safe journey to someone who is very close to our hearts? And what words would we choose to bid bon voyage to that person who had been showing us light throughout our journey? At this point, we may see the complexity and the paradox of life. Here, we may fail to accumulate the perfect words to describe the valuable contributions and interventions of this person.

Our Sunish sir, who had been serving our company as the regional head of Kannur for the past 9 years, is all set to take off his career to the next level. He has always considered himself a beginner and has taken earnest efforts to add up his knowledge. His intense interest in academics is indeed a motivation. He believes that learning is not something than ends when one’s job begins, but something that begins when the job begins. The success of a professional person depends on how that person connects with the society and the surroundings. Our Sunish sir used to find time to get connected with the public by actively participating in social organisations such as Lions Club.

The positive energy in him is like soothing breeze that awakens the courage in us to face any challenge that we may encounter on our way. Describing his talents and contributions is surely a challenge for me as I have to limit them to the tiny canvas of an A4 sized paper. But feelings need no words. We all gathered at the doorstep of Kannur region to wish him bon voyage. As we bid him farewell, we could feel the words stuck in our throat, our eyes filled with tears... But, even in silence, I could still hear the deepest whisperings in the hearts of all... “Thank you sir”.

Sujeesh K VBusiness Head – Kasaragod Branch

Aditya KumarRegional Audit Head–Punjab


MY SCRIBBLES

What is there beyond the wall of death?And that is what Tony thinks of every day and night?A shiver persuaded him to ask others the questionWhat death is?

Responses to this dreaded question were numerousMom and dad always said “Heaven is there”Friends mocked, saying “Hell is there”, andMonks chanted “Moksha is there”

Days just passed byLike leaves withering from treesStill, the fiery thought of death haunted himAnd made him restless with horrible hal-lucinations

Finally, there came a day when he fell sickWith severe fever and aches, making him totally weakDoctors tried their best But all their efforts went in vainWhen early the next morningTony cut the wall of death!!

Anish MNAO – IT

A hare and a tortoise live in Kochi. They are good friends and like all good friends, make fun of each other sometimes. One day, in a light mood, the hare ridiculed the tortoise for his slow pace. The tortoise reacted by

challenging the hare for a race from MG Road to Edapally. On the appointed date and time, the two assembled at the starting line. The hare dashed off the starting line in a flash. After the midway mark, he felt that a small nap would do no harm. The short nap became a long one. Meanwhile, the tortoise crossed the hare and reached the destination. The hare woke up from his sleep and dashed off towards the finish. To his dismay, he found the tortoise taking a nap at the finishing line. Moral of the story - Slow and steady wins the race.

The story continues... The hare went home and soon realised that complacency and overconfidence were reasons for his defeat. He decided not to repeat the mistake again. He then invited the tortoise for another race. On the appointed day and time, they met at the starting point. This time, the hare dashed off to finishing line without a break and won comfortably. Moral of the story - Fast and steady wins the race.

The story continues... The tortoise went home and thought hard. He realised that the hare cannot be defeated in speed. He then pondered over his core competence. The tortoise found a solution and invited the hare to another race. This time, the route got changed. It became from MG Road to Aluva through the Periyar river (not using the overbridge). The hare agreed. At the appointed date and time, the race began. The hare dashed off like a flash. Soon, he arrived on the banks of the Periyar river. He was overwhelmed by a sense of dejection as he did not know to swim. The tortoise came to the bank, after sometime, looked at the hare with sympathy, and coolly got into the water. He swam to the other side and reached Aluva. Moral of the story - Do not underestimate your competitors. Core competence wins the race.

The story continues... Both friends decided it was enough of racing against each other. They engaged in a brainstorming session to find a way to reach Aluva from MG Road in the least possible time. They met on the appointed date and time. The tortoise sat on the back of the hare. The hare dashed off from MG Road to the banks of Periyar river. There, the hare got on the back of the tortoise and they swiftly crossed the river. On reaching the other side, the tortoise again sat on the back of the hare. The hare ran quickly to Aluva and reached the finishing point. Moral of the story - Innovation and team work wins the race.

Varghese MathewHead - Zonal Operations (Tamil Nadu)

The Wall of

DeathSurvival in Today’s World


OUR SOCIAL COMMITMENTS

“Tell me and I forget. Teach me and I remember. Involve me and I learn.” Benjamin Franklin

Igniting a sense of care for the nature in the little minds of the future generation, UAE Exchange India has gone a long way by spreading the message of social responsibility. All over India, branches of the company have taken active initiative in teaching children that the

Providing support for the young talents of the society to rise in their lives, UAE Exchange India MD Mr V George Antony distributed special cash prizes and certificates for the poor, yet deserving students of St Teresa’s LP School, Ernakulam, on the occasion of their Annual Day celebrations in the presence of Kochi Corporation Councillor Mr Leno Jacob and school faculty. With the message of developing reading habit among children on “World Book Day”, UAE Exchange India had announced covetous support for the financially backward, but outstanding students as well as the teachers of the school during the school’s Christmas Day celebrations last year. The school management and students expressed their gratitude for the wholehearted support of the company in contributing to the healthy development of the society through these tiny tots, the promises of the future.

A Helping Hand for the Deserving Students of St. Teresa’s School

“Be a Responsible Citizen of Your City. Keep Your City Clean and Neat”

easiest way to become a superhero is to be a super responsible citizen by caring for the nature and keeping their city clean and neat. Moulding socially responsible citizens does not end with lectures. It continues with the involvement of children in social activities.

Bheemgal Branch

Dilsukhnagar

Thenkasi Branch

Korutla Branch


WOMEN’S CORNER

India’s bleeding daughter had been sabotaged several times, stabbing her with abusing words. She is considered as a puppet that should act according to men’s wish.

Eight of March is celebrated every year as International women’s Day. Just a celebration. In spite all these formal recognitions and honours, women are being harassed in various sectors of the society.

The life of a girl goes through various stages in life – from daughter to sister to wife to mother – caring and nurturing everyone around her. Take a moment to absorb the reality and think. Who really cares about the value of women in each stage of her life? The only features of women that attract the eyes of the world are her flesh and blood. Her physical beauty, rather than her purity in character, that embodies sexual appeal, is the only thing that strikes a man’s staring eyes. Scavengers fly over her with blooded canine teeth and piercing nails to eat her, spreading darkness and polluting her innocence. How much respect is given to women in our sovereign, democratic, republic, and secular nation?

You can be proud when your nation attains heights for great inventions and ideologies. A few days back, an Indian student was denied internship for biochemistry in Germany. What was the

reason? He was an Indian, the land of women abusers. Realize that this is how our Bharat Matha is portrayed or perceived by the external world. India is known for its legacy in bringing up its children feeding them with the lessons of moral values. Indians have hidden away those lessons, and are now on the wrong path.

Stabbing India’s bleeding daughter severely with abusive words about her blood is more than hurting Bharat Matha. Blaming western culture and modernization is not a solution to change the drastic situations in India. Thousands of women are being abused mentally and physically, throwing their lives into darkness. Think for a moment. She is your mother, sister, wife, and daughter. Try to respect every woman.

Feba JacobAO – Corporate Communication

India’sBleeding Daughter

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The entries for photography contest are really appreciable. These are just a few of the photographs we have received. Thank you for

participating.

We are closing the contest. The winners will be announced shortly. As informed, the 1st and 2nd winners will receive cash prizes of INR 1000 and

INR 500 respectively.

PHOTOGRAPHY

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1 Deepa Pramod AO - Purchase Department 2 Akhil B Chinnakada Branch

3 Vinu Prakash Nedumangad Branch

4 Roshni Thomas AO – Corporate Communication

5 Vijo George Attingal Branch

6 Surabhi Soni Jaipur Branch


SPECIAL DAYS

Fooling around, playing jokes on others and screaming “April fool” on the victims of your pranks and hoaxes are sure routines on April 1st of every year. April Fools’ Day,

also called All Fools’ Day, is celebrated every year on April 1st as a day when people play practical jokes and hoaxes on others, who are called “April fools”. There are several stories regarding the day’s origin.

One of the most popular beliefs about the origin of April Fools’ Day is attributed to the French calendar reform of the sixteenth century. According to this theory, France had their calendar reformed in the sixteenth century, moving the starting of a year from April to January. Traditionalists, who clung to the old calendar system, and others who failed to keep up with the change continued celebrating New Year Day on the 1st day of April, as it was done earlier. These people were subsequently called April fools.

According to another popular belief, April Fools’ Day is associated with renewal festivals that mark the beginning of a year to celebrate the return of spring. During such festivals, the social order is temporarily inverted and restored the very next day. Since April Fools’ Day has all the characteristics of a renewal festival, many historians have theorized that this day evolved out of renewal festivals. Some scholars have located the origin of April Fools’ Day in Biblical traditions. The phrase “sending a man from Pilate to Herod”, an old term for sending someone on a fool’s errand, was taken from The Bible.

April Fool’sDay

Some of the historical April Fools’ Day pranks of all time

Big Ben to Go Digital: The BBC, in 1980, reported that Big Ben in London, in order to keep up with the times, was going to be given a digital readout. The announcement so much shocked listeners that many were angry about the change because the Big Ben was part of the country’s culture and tradition. The same news report also claimed that the clock hands would be given away to the first four listeners to contact the station. One Japanese seaman in the mid-Atlantic was reported to have immediately radioed in, hoping to be among the lucky callers.

The Floating Prank: In 1976, English astronomer Patrick Moore announced on BBC Radio that a certain phenomenon effect would cause a short-term reduction in gravity on Earth. He named the phenomenon “Jovian–Plutonian gravitational effect” in which a conjunction of Jupiter and Pluto would cause the Earth’s gravitational force to reduce for a short period of time. BBC got surprising responses from many people reporting to have observed the effect. One woman was reported to have stated that she and her friends floated around the room during the phenomenon.

Smell-O-Vision: Smell-O-Vision, a technique created by Hans Laube, was a system than released smell during the projection of a film so that the viewer could “smell” what was happening in the movie. In 1965, BBC TV aired a fake interview with a man who had invented a new technology called “Smellovision” that allowed viewers at home to experience aromas produced in the television studio. To demonstrate, the man chopped some onions and brewed a pot of coffee. Viewers called in to confirm that they had smelled the aromas that were “transmitted” through their television sets.

The Great Spaghetti Harvest: In yet another historic April Fools’ Prank, BBC aired a spoof documentary about spaghetti harvest in Switzerland. The programme, called “Panorama”, featured a family from Ticino in Switzerland carrying out their annual spaghetti harvest. It showed women carefully plucking strands of spaghetti from a tree and laying them in the sun to dry. Some viewers were so fascinated they called BBC to know where they could purchase their very own spaghetti bush.


SPECIAL DAYS

World Autism Awareness Day is observed on 2nd April every year. It was designated by the United Nations General Assembly resolution December 2007. Autism is a mental

condition, present from early childhood, characterised by great difficulty in communicating and forming relationships with other people and in using language and abstract concepts. According to the resolution, all UN organisations, member states, NGOs, and all private and public organisations would participate in the observance of the day to raise awareness of autism on all levels in society. UN has highlighted the need to help and improve the quality of life of autistic children and adults through various voluntary programmes and donations. Autism Ontario, a volunteer network of Chapters throughout the province of Ontario, celebrates the day “Raising a Flag” for autism. Various organisations around the world participate in the day by conducting fundraising for the welfare of autistic children of the locality and organising awareness-raising events.

The World Heritage Day is observed on the 18th April every year for spreading awareness on protecting and preserving the valuable assets of heritage. This special day offers an opportunity to raise the public’s

awareness about the diversity of cultural heritage and the efforts that are required to protect and conserve it, as well as draw attention to its vulnerability. The first world Heritage Day was celebrated in 1982 by the International Council of Monuments and Sites in Tunisia and was approved in 1983 by United Nations Educational, Scientific, and Cultural Organisation. The day marked the necessity of protecting the historical monuments and sites located in every part of the world by making collective efforts at international level.

“I appeal to all people everywhere to raise their voices. Speak out on behalf of this planet, our only home. Let us care for Mother Earth so she can continue to care for us as she has done for millennia.” – Ban Ki-moon, Secretary-General, United

Nations

World Earth Day is observed on 22nd April every year to create in all the interest to gather national support for environmental issues. Millions of people participate in the observance of the day with a noble cause. The most common practice as part of celebrating World Earth Day is planting trees saplings. The day reminds everyone that the Earth and its ecosystems are vital factors for life and sustenance. It also recognises a collective responsibility to promote harmony with nature and the Earth to achieve a just balance among the economic, social, and environmental needs of present and future generations of humanity. It is a fine opportunity to raise public awareness around the world to the challenges regarding the well-being of the planet and all the life it supports. The theme for 2015 World Earth Day is “It’s our turn to lead”.


MATRIMONIO BELLS

Mr Dinesh RM &Ms Neethal KS

Audit Office South Kerala

Mr Sarilal &Ms Sija

Oachira Branch

Mr Shanoj E K & Ms Suranya T V

Sreekandapuram branch

Mr Vivek V &Ms Anjana V S

Neyyattinkara branch

Ms Amritha &Mr Vinod DG

AO – Reconciliation

Mr Manoj Kumar Singhi &Ms Sonali

Madhapur Branch

Mr Praveen L &Ms VidhyaAO Travel

BUDDING TALENTS

Ms Sanjana SanthoshSanjana, daughter of Indu Santhosh, AO-Insurance Department, and Mr Santhosh Kumar, started exhibiting her creativity in literary works at the age of 13. A student of Class 10th in CCPLM Anglo Indian School, Sanjana is also interested in dancing. With the ambition of becoming a doctor, this 15-year-old has a bright future and creative eyes to churn out the best opportunities for her in the field of service as well as literary creation.

She was so beautiful,I saw her behind the leaves on the sky.She was so small,but I could see her clearly. She was twinkling at me,saying hai to me.

She smiled at me andI smiled back at her.Her eyes kept on twinkling at meand made me twinkle my eyes as hers.She looked at me for a momentand suddenly vanished into the sky.

Twinkle Twinkle

Ms Sanjana Santhosh

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