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Volume 15 | Issue 1 | April 2014 inside
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www.uaeexchangetravel.com or P r F 2 Xpressions - April 2014 Editor’s DESK
ttitude, one of the crucial elements in determining success in any circumstance, is often one of the most neglected aspects in transactions, whether personal or professional. These days we care Aincreasingly about numbers and volumes than anything else. After all it’s what corporate life is all about. Winston Churchill said ‘Attitude is a little thing that makes a big difference’. ‘Our Attitude determines our Altitude’. A little difference in our attitude in a positive way, with colleagues, business partners, customers or at home can bring in change, gratitude, and kindness and can make someone else’s life a little better. The new financial year let us start with a positive attitude. We have new endeavors, commitments, targets and new achievements. As much as it may be a time for making new plans it is also a time to assess the old ones. This is also a good time to take stock of what were done wrong and what could be made better, this year round. We at Xpressions plan to bring into this year innovative ideas and creative contributions. We are also determined not to rest on the laurels, instead to take the challenge up a notch and do things better. We are inspired by your stamp of approval to the revamping of the magazine and it encourages us to go further on our quest for change and variety. We intend to keep our commitment to the society and corporate social responsibility high on the agenda and yet put up platters with newer offerings, each month. So, looking forward to receiving the affection and responses from our readers as we have received to date, we wish you a brand new, business filled prosperous financial year.
Till the next issue...
Enjoy reading Dr. Ashok Cherian Koshy Head – Corporate Communications
Editor Correspondents Visit us Dr. Ashok Cherian Koshy Ratheesh VR www.uaeexchangetravel.com Vishnu M Sub Editors Benny Joseph TX Follow us Sheeba Johnson http://www.facebook.com/ Seethal PS Editorial Office uaeexchangetravel http://twitter.com/#!/ Denson CD IInd Floor, Krishna Hospital Building, uaeexchangetrvl MG Road, Kochi - 682 011 Creative Editor Tel. No: 0484 3047092, 3047321 Saju RS Email: [email protected]
Xpressions - April 2014 3 4 Xpressions - April 2014 //////////////////////////////////////
April 2014 Volume 15 ////////////////////////////////////// Global 20 Snapshots
03 From The Editor 06 News Desk 08 In the Media 11 IT Treat 14 Women’s Column 19 Smiling Contest 21 CCO’s Message National Child Abuse 23 My Scribbles 12 Awareness Month
In Search of Women 14 in the Scriptures... 16 Cover Story Let the children come to me…
Xpressions - April 2014 5 News Desk
Connecting HNI Guruvayoorappan College
alakkad branch initiated to get connected Pwith HNI customers by mainly focusing on associations like Lions club, Rotary Club, Cosmopolitan Club, Madhava Raja Club, amorin’s Guruvayoorappan College is one of the oldest Town Square Club, IMA and also some Zcollege of Kerala. The authorities of the college invited hospitals. Program was well planned with Calicut branch to enlighten their students about world data of around 3,800 HNI customers, with currency, in relation to their Philatelic & Numismatic club’s an endeavor to spread awareness about our inauguration function. Around hundred students participated product and services among these associations. from different departments. College Principal Prof. Sreedevi They commenced their operations from March handed over a memento to Mr. Shineesh KS, Branch Head of 7th, 2014 with initial meeting at Rotary Club, Calicut. Palakkad in which Regional Head Mr.Kallada Vinod gave brief note about the services.
Migrant Workers of Perinthalmanna
very day is a new day and Every Moment is a chance to Mr.Sanal fluent in Hindi interacted with them and made them Ebegin again. RH Mr. Kallada Vinod along with the RO aware about the utilities of DMTS for their personal needs and team decided on regional new promo with the migrant workers also distributed native language flyers for better understanding. meeting conducted at Perinthalmanna branch on 7th March The program closed with a small contest and distribution of 2014. More than 45 migrant workers participated in the event. gifts among the participants.
6 Xpressions - April 2014 Eenadu Auto Expo
any local showrooms participated in MEenadu Auto Expo and Kadapa branch was also invited for their participation by VESPA Vehicle Dealer “Mahi Motors”. Mr.Ghouse Basha of Kadapa branch took the opportunity to enlighten the visitors with all the information about UAE Exchange Vehicle Loan promotions.
UAE Exchange Join Women’s Day Hands With Air India At Chavakad Frequent Flyer Program
AE Exchange, India has tied up with UAir India to reward the members of their Frequent Flyers program. The members of Flying Returns, The Air India Frequent Flyer Program, can accrue 30 mileage points for each foreign exchange transaction worth USD 100, from any UAE Exchange branch in India. The accrued mileage points may even qualify the members to earn award tickets to a destination of their choice. Presently there are around 1.1 million Air India frequent flier members. The Air India Frequent havakkad Branch received their first lady Flyer membership should provide their Ccustomer for the day, Mrs. Fathima P.M membership number to UAE Exchange with a gift who had visited to collect instant while doing foreign exchange transaction cash from their counters which was handed to earn mileage points. The mileage over by their senior lady staff Mrs. Sreedevi points acquired by the customers will be Govindan. automatically added to their Air India Frequent Flyer account.
Xpressions - April 2014 7 In the Media
Free Medical Camp And Seminar On World Kidney Day MCA Ernakulam in association with UAE Exchange Yand Lissie Hospital conducted a free medical camp for 100 people as part of ‘World Kidney Day’ on March 13, 2014. The camp provided creatinine, sugar and blood pressure tests free of cost to the participants. Free medical camp was followed by Renal Disease Awareness Seminar, inaugurated by Mr. S Suhas IAS, Asst. District Collector, Ernakulam. The seminar was conducted by Dr Jose P Paul, Nephrologist, Lissie Hospital.
Malayala Manorama, March 1, 2014 : UAE Exchange Recognized for CSR Practices
Bliss, the Special Anniversary issue of The Hindu Business Line, March 28, 2014 : UAE Exchange in Tune with the Times
8 Xpressions - April 2014 Business Digest: March, 2014 : UAE Exchange The Hindu Business: Line, March 4, 2014 : Indian Express: Free Medical Camp And Recognized for CSR Practices UAE Exchange Bags CSR Award Seminar on World Kidney Day
Malayala Manorama: Free Medical Camp And Seminar On World Kidney Day
News With Online Releases UAE Exchange Wins ‘Travel Puraskar - 2014’
AE Exchange India, bagged 2014 award for the best “Corporate UTravel Management Company” in the recently held GCC Puraskar for Tourism, hosted by the Department of Tourism Garden City College, Bangalore. Ms. Reshma, Cluster Head Bangalore and Mr. Denson CD, Corporate Communication and PR Officer received the award in a glittering function held in Garden City College on March 19, 2014 attended by corporate magnates and business gurus from around the country. This is the 2nd edition of Travel Puraskar Award.
Xpressions - April 2014 9 UAE EXCHANGE WISHES
Happy Married Life
Mr.Vinod Amin, Branch Head Mumbai Mira Road weds Ms.Rupali 10 Xpressions - April 2014 IT Treat
Windows Xp – End Of Support
already been installed in your system, will lose Microsoft’s bug fixing support, you will continue to receive anti- which means that the users will face malware signature updates for a limited high security danger if they continue time period, but this doesn’t mean to use windows XP. XP system entered that your PC will be secure because market in 2001, and became the Microsoft will no longer be providing second best selling operating system security updates to help protect PC. after Windows 7. But Microsoft has If you continue to use Windows XP revealed that they had entered into an after support ends, your computer will agreement with the Dutch government still work but it might become more to continue the support for XP’ for vulnerable to security risks and viruses. the next year until they upgrade the Also, as more software and hardware system to a new operating system. But manufacturers continue to optimize Google announced that it will continue icrosoft has provided support more recent versions of Windows, to support Chrome under Windows Mfor Windows XP for the past 12 you can expect to encounter greater XP through 2015 because almost 80% years. But the time has come towards numbers of apps and devices that do of chrome users used windows XP as investing resources towards supporting not work with Windows XP. operating system in their computer more recent technologies so that it As a result, companies, governments systems. could result in delivering great new and individual users are all forced Due to world wide concern regarding experiences. to change their computer operating XP’s withdrawal of support, Microsoft As a result, after April 8th 2014, systems. On April 8th, Microsoft will announced that they would continue to technical assistance for Windows XP stop patching newly found security support commercial banks until they will no longer be available which will holes in Windows XP code that hackers upgrade to new systems. include automatic updates that help could exploit to slip into computers, protect PC. Microsoft will also stop which means that future security bugs in windows XP will not be fixed. providing Microsoft Security Essentials Source: www.microsoft.com (MSE) for download on XP. If MSE has Almost 13-year-old operating system
Film Shoot Experience IT Updates We would like to give brief about the A new Evaluation Module has been designed for the whole company shooting experience that we had in the movie from this financial year onwards. Each staff, starting from branch “AVATHARAM” which was held on 23rd staff to managerial level, 3 evaluators will be there to evaluate each March 2014, Sunday in UAE EXCHANGE HR person. First evaluator is the self, 2nd and 3rd evaluators are the Department. It was a movie directed by the well immediate higher levels. Evaluation is out of 100 marks. Based on the known South Indian movie director Mr.Joshi. We marks achieved, yearly score and yearly grade of the employee will be are very happy that we got an opportunity to act calculated. in the movie as an office staff. It was a wonderful experience to witness the renowned actors like One Time Password generation for NSE Dileep and Lakshmi Menon in action. We also took photos with them and are thankful to the company To activate trading for all walk-in clients, One Time Password (OTP) for having granted us this wonderful opportunity. has been implemented where the client receives the same through sms and the same could be sent to the dealer either through a specified Gopikrishnan Vk & Gethesh Babu format provided or directly.
Xpressions - April 2014 11 NATIONAL CHILD ABUSE AWARENESS MONTH APRIL 2014
12 Xpressions - April 2014 Month of April is treated as the time to ponder and may be do some action to stop child abuse and offer child protection to the ones living near by. Everyday medias report one such incident and its time we take some measures in our families as well as our surroundings to curb such malpractices.
Some of the essential factors that can help to prevent are
• Nurture an attachment with your little ones
• Knowledge of parenting and child development
• Parental resilience
• Social connections
• Concrete support for parents
• Social and emotional competence of children
Just to quote few lines from Mathew 18:6
But whoever shall offend one of these little ones which believe in me, it were better for him that a millstone were hanged about his neck, and that he were drowned in the depth of the sea.
Most of you might have noticed that we had utilized the branch update header to spread about the noble cause among its readers. We feel its essential to utilise the daily update so as to raise concern and action for such social issues. We also call your comments and valuable information regarding the same to be incorporated in your magazine making it a treasury for its readers.
Xpressions - April 2014 13 Women’s Column
14 Xpressions - April 2014 Reeba VK and Sheeba Johnson
In Search of Women in the Scriptures...
orld always looked for a fighting and will rise again.’ He well understood the pain and Wrevengeful knight in shining armor ready anxiety of these helpless ladies and attended to to kill or punish the wrong doer. But plans them with care. were different for the mankind, a soft spoken, While teaching in the synagogue, a crippled forgiving, loving and down to earth redeemer women approached him who was healed who tried to teach the lesson of hating the sin immediately by saying ‘Woman, you are set and not the sinners, by presenting his own free from your infirmity’, fully perceiving her example. Some of the women were privileged by miserable condition and trust on him. this redeemer in-person. Going through these Healed the sick, fed the hungry, saved the incidents very well depicts the agape love that he dead, and the list is endless. Always speaking had not only for the women folk but also for the the truth, even at the face of utmost danger and humanity as a whole. persecution. That really needs courage. At the Woman on the verge of being stoned to death face of persecution, he told the truth and bear was perfectly saved by him through the calls ‘for all the suffering to make the way to eternity. He the one without sin to cast the first stone’. Even suffered to save us from our suffering, died to now, no one can dare to take this challenge. make us live, rose up to make the way for his Understanding the essence of poverty, believers. Even in times of extreme pain, blessed respected the widow with 2 coins, offering in the inflictors and prayed for their ignorance. comparison to the world loading chunks of That’s the height of his patience, love and care riches. ‘Truly I tell you, this poor widow has put for the suffering mankind. This is not about more into the treasury than all the others’. World some pigment of my imagination but God’s is full of snob ones and we too fall for their show perfect blessing for the mankind for eternal life. ignoring the pure but small contribution of the Very rarely will anyone die for a righteous man, real givers. though for a good man someone might possibly Respecting the person not by her past dare to die. Here is the one who died for the deeds but by her present repentance. Rather sinners, always ready to cleanse - just ask and than dwelling on the wrong doers we prefer you will receive. backbiting and bragging about their past. A Canaanite women who approaches him for “Respecting the person not healing her child is first rejected, which leads to by her past deeds but by the display of remarkable faith and humility that her present repentance. makes him praise her ‘Woman, you have great Rather than dwelling on faith! Your request is granted.’ Faith and trust are the wrong doers we prefer not from the annals of history. backbiting and bragging Mary and Martha of Bethany were attended about their past” with eagerness when they reported the death of their brother Lazarus by saying ‘Your brother
Xpressions - April 2014 15 Cover Story
16 Xpressions - April 2014 Let the children come to me…
ndia is known as a land of may religions and Child Labor is normally defined as any work that Ispirituality. It’s multicultural and diverse faith harms and exploit children physically, mentally, makes the socio-cultural structures unique among mortality or anything that blocks them from their other nations. This rich heritage have a variety of school hours. Forced Labor of children in order to functions catering to a variety of economic, social, contribute to the income of the family existed in cultural and emotional needs of the people from some form or the other from the very early times. time immemorial. Though some of these structures Children were required to work at home or outside. provide for emotional and social needs they also India is one of those countries, which has more than proved to be very oppressive in most cases. 12.6 million children who are forced to work in Child abuse and neglect occur when a parent, order to survive. caretaker, or another person in a custodial role Rural Child Labor: Rural Child Laborers mostly (e.g., clergy, coach, teacher) acts, or fails to act, in a come from families who help in different jobs either manner that results in the death, serious physical or in agriculture or domestic works. Children coming emotional harm, or sexual abuse or exploitation of from such families are forced to quit school during a child; or that presents an imminent risk of serious planting, weeding and harvesting seasons to support harm to a child (Office for Victims of Crime: Child the family, as the parents are underpaid/unpaid. Abuse and Sexual Abuse, retrieved February 17, Children who work in rural areas are usually 2014). underpaid, unprotected and powerless in a system, “Child abuse or maltreatment constitutes all forms which is dominated by the powerful landlords. of physical and/or emotional ill-treatment, sexual Urban Child Labor: According to the reports of abuse, neglect or negligent treatment or commercial Child Labor India, there are many children below or other exploitation, resulting in actual or potential the age of 15 working in urban areas. Some children harm to the child’s health, survival, development voluntarily make the streets their home as they are or dignity in the context of a relationship of cast out from homes; who are neglected and are responsibility, trust or power”. (World Health mostly named as rootless, worthless and homeless. Organization) Some children work in small-scale enterprises or Each year, April is designated as National in services such as domestic labor or sales. Most Child Abuse Prevention Month, a time for raising of them work for long hours in poor, unhealthy awareness about child abuse and neglect. As we and unhygienic conditions and are paid very less. are in the midst of yet another April, it would be We could see many children at busy crossroads, appropriate to throw light on at least one area where in markets, bus and train stations, washing cards, an immediate change has to take place – Child selling minor commodities etc. Some are involved Labor. in illegal practices like theft, prostitution and drug
Xpressions - April 2014 17 Cover Story
trafficking. Most of these children come labor is not a matter of choice but prohibited child labor and has issued from low income earning families and demand for survival. elaborate guidelines to this. Article some are either forced or sold to agents Irresponsible parents: Foolishness 23 of the Indian Constitution clearly for such works. The family thinks is bound in the heart of a child. states that ‘no child below the age of 14 about a momentary gain, but they loose (Courtesy: biblehub)That is, sin, the years shall be employed to work in any their child forever. greatest of all folly; this is naturally in factory or mine or be engaged in any A very common form of child labor the heart of man; it is in the heart of other hazardous employment.’ found in the cities of India is child rag a child, it is in him from his infancy; Our role: The society and various pickers. it is bound in his heart, it is rooted religious sects can play a better role Amartya Sen quotes Bequele and and riveted in him, being conceived in uprooting such issues and control Myers’ definition on child rag pickers in in sin, and sharpened in iniquity; it is child labor, bonded labor and social what cleaves close to him, and he has a labor. There should be basic policies, “Poverty and families” thus: A strong affection for and desire after: the laws and programs to combat poverty, rag picker is one who makes his/her imagination of man’s heart is evil from provide basic services, develop human livelihood by picking used waste papers, his youth. The Holy Bible explains this resources, administer justice and plastics, rags, bottles, tins, metal pieces, in Genesis 8:21; so that he is not easily control the behavior of business and discarded and broken containers from brought off of sin, or becomes wise; industry. Rehabilitation process must waste/trash bins, garbage heaps, streets but the rod of correction shall drive it be implemented for already those who and sells them to nearby retailers. This far from him; the rod used by parents, are in the labor market. Children are is one of the most dehumanizing jobs for the correction of sin and folly, is a the gift of God and they should be because the place and environment that means of making children wise, and of taken care of. Franklin D Roosevelt they work is dangerous, unhygienic and restraining the folly that is bound up says, “ we cannot always build the destructive of self-esteem. in them; and of reclaiming them from future for our children, but we can As we speak far and wide on child those sinful ways, which the folly of build our children for the future.” As labor, it would be wise to glance their hearts leads them to, and so in human beings created in the image of through some of the factors that lead some measure of driving it far from God, there is a need to safeguard the to this. them. Neglected children abandon life and dignity of every created being Patriarchy: The word literally means education; leave home in the verge in the midst of changing circumstances. the rule of father or the patriarch. Man of supporting themselves, reaching This dignity must be birthed in the is considered as the head of the family nowhere. conscience of every individual. The and inheritor of the family. The boy Legal and constitutional provision: famous quote in Mark 10:13-16 says learns to be dominating and aggressive The Supreme Court has strictly “Let the children come to me.” Jesus and the pressure to earn and look after loves the little children; He took them the family is more on him. It is because in His hands and blessed them. If they of these gender stereotypes that women are oppressed and the expression of are at a disadvantage and men tend to “Let the children come to their cultural feeling is neglected, then dominate in all areas. Children are used me.” Jesus loves the little it shows the general breakdown of to hearing the term breadwinner from children; He took them in human respect and dignity and that we childhood days and are either forced His hands and blessed have failed to recognize and appreciate to or run into it. Most of the time the them. If they are op- that every created being has a unique means they select tend to be wrong pressed and the expres- value in the presence of God. It’s not and end up in tragedy spoiling their sion of their cultural feel- a one-man show, rather a joint effort childhood and eventually their future ing is neglected, then it where the Government, Developmental as well. When in most cases boys take shows the general break- Organizations, Intellectuals, Social it up as a responsibility, girls are either down of human respect Workers, Religious sects, and every lured or forced into this. and dignity and that we citizen join hands to see that concrete Poverty: It is a major issue that have failed to recognize steps are taken to prevent and uproot contributes to many evils in the society; and appreciate that this social stigma. To treat a child with in fact it is the parent of all other every created being has love is to show love for God, but the problems prevalent today. In his poem a unique value in the reverse is fearsome: to abuse a child is ‘Cancer’s a funny thing’, J.B.S. Haldane presence of God. to abuse God! says poverty is no less funny. Child
18 Xpressions - April 2014 Smiling Contest
Blessed Smiles A Smile of the month contest has been conducted for the the children of employees. We have received more than 250 entries. Sharing a few of them with you:
Mariya Bijesh – D/O Bijesh Adwaith Vijay – S/O Vijay M, Charishma Salian – D/O Sradha, D/O Surya Raj, Mathew, Kalpetta AO Finance Gayathri, Mangalore LIC Br. Kayamkulam Br.
Evan Dominic – S/O Deepak Kishore – S/O Deepa D, Thanmaya – D/O Sangeetha G S, Thaniya, D/O Dhinesh M, Dominic, Paripallly Br. Kallakurichi Br. Koyilandi Salem Br.
Sanika Thakur – D/O Ashwani Mohd. Kakka – S/O Ismail Adithi – D/O Surya S Kini, Parisha, D/O Amit Verma, Kumar, RO Punjab I Kakka, Surat Br. AO – Reconciliation dept. Garshankar Br.
Prithvi – S/O Babitha M R, Siddharth – S/O Priyan K, Bhaavana, D/O Phani Kumar G, Elna lijin – D/O Lijin, AO Forex Kayamkulam Br. Alappuzha Bhimavaram Br.
Xpressions - April 2014 19 Global Snapshots
Oman UAE Exchange opens 46th outlet
man UAE Exchange, the only IMS certified Exchange company in Oman, opened its new outlet in South Mawaleh thus Otaking the total tally of outlets to 46 in Oman. The branch was inaugurated by Sheikh Saif Hashil al Maskery, Vice chairman, Oman UAE Exchange, in the presence of company officials.
Xpress Money
UAE Exchange, Xpress Money and Abu Dhabi Community Police Cricket Cup
ndian team won the Minister of Interior’s Cricket Cup cricket champions were competing to win the cup: India, Iafter defeating the Sri Lankan team in the finals. The Pakistan, Bangladesh and Sri Lanka. competition, which was held under the patronage of Lt. The event, which was organized by the Abu Dhabi Police General HH Sheikh Saif bin Zayed Al Nahyan, Deputy and UAE Exchange and Xpress Money, took place as part Prime Minister and Minister of Interior, took place at of an awareness campaign organized by the Community the Sheikh Zayed Cricket Stadium in Abu Dhabi. Four Police Department.
20 Xpressions - April 2014 CCO’s Message
AUDIT AND COMPLIANCE DEPARTMENT
Department Message: Internal Audit Mr. Rajesh Internal Audit is being initiated with a view to bring in more control and Ratnakumar R monitoring of branches and also to Chief Compliance Officer ensure that those responsibilities Audit and Compliance department had a challenging are vested by the management and year in 2013-14. We had to face new challenges carried out more efficiently and and deadlines, I am very happy to say that audit effectively. We have been doing the department could stretch itself to meet all the goals of following exercises in branch level the management. It is well said that “Being challenged to ensure that quality of compliance in life is inevitable, being defeated is optional.” is not compromised at any levels. The challenges we faced, had given us new insight Regular branch inspections, Surprise and new diminutions on our understanding on the inspections, Mystery shopping, matters concerning internal control, which helped us Trainings etc, are some of them. to make drastic improvements in the business process All these years, we have been able to so as to meet the best of standards for statutory and satisfy the requirements of statutory regulatory requirement. To name a few like transaction authorities, especially when it comes authorization from AO, improved grading system, to adherence of rules and regulations offsite audit are few of them. Now we had successfully and its compliance. Without branch crossed over to the new Financial Year 2014-15 with lot support and co-operation, we may of new opportunities and challenges ahead. not be able to accomplish this Audit and Compliance Department is the assurance achievement and would like to body of the organization. We are aimed at value extend our heartfelt appreciations addition, improved operational efficiency, risk to all and also hope that this support management and good internal controls. It can only will continue in the coming days too. be achieved by highest degree of fairness, integrity, and We shall use this platform to share ethical conduct in the performance of the duties. few of the processes which we were using as a tool of measurement of To ensure our interactions are more proactive, we will compliance and internal procedures. be in touch with you through our in-house magazine Xpressions as frequently as possible. We will update you Mystery shopping is one among the on information that can increase value to your efforts tool we are using largely nowadays which is sure to enhance the quality of business, tips to as a control measure. This involves strengthen internal controls for a more cost-effective sending individuals acting as operation, latest regulatory and departmental updates potential customers to experience and also our feedback that can help and enlighten and measure the extent up to which you in reducing the common findings from the audit the people and process would reports. perform as they should be. Take your time to look through our message to know us better. We gladly welcome any comment and suggestion from you. We will continue to work to make the material on this platform relevant, timely, and useful.
Xpressions - April 2014 21 CCO’s Message
Topic for the Month: What is Politically Exposed person (PEP)? We should not choose any politician or politically wealth and source of funds before accepting the PEP active person walking into the branch as PEP. Many of as a customer. our staff has this doubt as it is easily misunderstood. According to FATF “Politically exposed persons are HIGH RISK COUNTRIES (14th FEBRUARY 2014) individuals, who are or have been entrusted with FATF had classified following countries as high risk prominent public functions in a foreign country, As per countries as per the statement released on 14th Feb. the above definition, a person falls into the category of 2014. We need to apply counter-measures to protect PEP provided he is or has been holding some public our financial system from the on-going and substantial position in a foreign country. Before we identify money laundering and terrorist financing (ML/TF) risks. the customer as PEP, we need to gather sufficient List of High Risk countries which are doing information and should verify the identity of the Xpressmoney and MoneyGram as send locations are person and seek information about the source of as follows
High Risk Countries XM (Send Locations) MG (Send Locations)
1. Algeria 1. Turkey* 1. Ecuador 2. Ecuador 2. Yemen 2. Ethiopia 3. Ethiopia 3. Indonesia 4. Indonesia 4. Korea 5. Myanmar 5. Pakistan 6. Pakistan 6. Turkey* 7. Syria 7. Yemen 8. Turkey* 9. Yemen
Transactions from High Risk countries need not be denied as long as KYC is strong. As an additional due diligence, branch staff can do additional due diligence before processing the transactions
DUE DELIGANCE IF FOUND SUSPICIOUS
1. KYC of the customer (Passport/Visa) should be valid and 1. Deny the payment originals should be checked. 2. Report to the branch compliance Officer (Branch Head/ 2. Enquire about the Relationship between sender and BIC) receiver 3. Inform to the Chief Compliance officer 3. Ask the Purpose of the Transaction 4. Local address and contact number of the beneficiary (hotel, residence) 5. Whether the amount received is rationalate to the purpose specified 6. For any clarification, please contact our AML cell at Kochi
22 Xpressions - April 2014 My Scribbles
TRAIN MATES
Vishnu M AO IT
assengers, your attention please! and sat down. The opposite seat was Hari started to sweat profusely, his Ptrain number one two five one filled with luggage with no living soul in heart rate increased, and in a flash, the two coming from Gorakhpur going the vicinity. memories filled inside him. to Trivandrum via Alleppey will Hari was tired, and kept his laptop It was in his college days, when leave from the platform number one bag vertically in his lap and rested his he was studying in GRD college shortly...” head upon that, his eyes glued to the Coimbatore, his friend Dhanya came These were the words that greeted floor. for an occasional visit and said that she Hari when he reached Ernakulam South He heard the voice of the guy who is getting miss calls and messages from Railway station in an auto-rickshaw. spoke with him near the door. He was an unknown number. Hari hastily gave Rs.20 note to the too tired to look up because of the days Hari got furious and got hold of the autowallah and rushed to the platform. work. number. “Damn, I don’t have time to take the Suddenly he saw a pair of beautiful That day at 7 PM, he gave a call to supplementary ticket” Hari thought. white legs of a lady with sandal colored that number and he got a reply that The train started moving and Hari slips on them, with contrasting brown “Anusha is not available as she is out in rushed through the choc-a-bloc of lace, and cherry red nails, in black jeans t h e l a b”. people and was able to successfully and they were astonishingly beautiful. After that came the SMS “Who are board the train. He was too tired to lift his head and you?” SMS’s and calls were exchanged “You should have reached a little look at her face, so he simply gazed on and one day, he was infront of Sree early”, a pleasantly looking chap in his the floor, and fell into a day dream. Ramakrishna College Coimbatore to late twenties told him. In 10 minutes time, train reached meet her. “Office works”, Hari replied and Kumbalam, a crossing station in the Time withered away and they fell in walked inside looking for a vacant outskirts of Ernakulam. Suddenly he felt love, went for films together, came back berth. like some one touching his cheeks. home on study leaves together and at last.. Though he ran only a little, the Hari opened his eyes to find a small humid climate along with summer heat butterfly fluttering away, out of his “Where are you going?” of that Saturday afternoon have made curiosity he looked on the face of the - Hari was out of his memories, it him breathless. owner of those pair of beautiful legs. is that chap who have initiated the He found a relatively vacant berth He was stunned to see Anusha sitting conversation. in front of him.
Xpressions - April 2014 23 My Scribbles
“Alappuzha”, replied Hari. asked. hour and a half for the train to reach “Daily commuter?” “No” Alappuzha. “Yep and by the by, I am Hari, Hari “Why Hari?” During this entire stretch neither Hari, nor Anusha exchanged glances. Narayanan” “Didn’t feel like” Hari was boiling inside, he wanted to “Oh nice to meet you Hari, I am “I would rather say, it is the most ask, why was he left alone, why did she Ashuthosh and this is my wife Anusha.” beautiful thing that you should not decide to stop all the communication. with beating heart he wished her miss”, said Ashuthosh. He controlled himself, as she is the “Hello Madam” Hari gave a blank smile and could wife of another man now. “Hi” - Did Hari felt that it was a cold recognize the uncomfortable feeling Getting out in to platform in response? creeping inside Anusha because of his presence. Alappuzha, Hari turned around. He Hari went back in to his memories could see Anusha looking at him “What do you do Hari?” , asked and in between he could see her, in dark through the window. wood green short top and black jean, Ashuthosh “she is not even moved by seeing she was a ravishing beauty, “Am a Software Engineer” me?”, he thought and in a swift he “She should have been beside me, as “Where” walked towards the entrance, without my soul mate, instead she is now my “Kochi” even turning back again to see those train mate” - Hari thought. After that Ashuthosh was reading two drops of tears that made a silver “Hari, are you married?” - Ashuthosh something and it took more than an channel down through Anusha’s cheeks.
Fear... Your eyes can never tell a lie Your eyelids fail to cover the truth that I can read in it
Sweat on your face is the testimony of the agony SAJU R S AO Corporate I could trace the shadows of Communication your untold feelings of fear and fear only
I can feel your feelings, as I watch your face pale as snow, Of fear and fear only
24 Xpressions - April 2014 Xpressions - April 2014 25 26 Xpressions - April 2014