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Table of Contents
| Editor’s Letter | 3 |
| GMD’s Message | 4 |
| Contents | 5 |
| The Cash-lite Customer:Life Made Easy by UBA’s ElectronicBanking Products | 6 |
| MILESTONE TRANSACTION FOR THE QUARTER | 9 |
| Ask the Executive: EMEM ETUK | 10 |
| FINANCIAL PERFORMANCE: UBA is poised for an impressive run in 2012 | 14 |
| 10 Strategies for Living Within Your Income | 16 |
| Voice of Your Customer (VoC)Our Customers are talking…But Are We Listening? | 17 |
| Subsidiary Focus: UBA PENSIONS CUSTODIAN LIMITED | 18 |
| Discover Mozambique | 20 |
| Growing the Seed: Clement Isikwe - CEO, UBA Mozambique | 26 |
| CASH or CARDS? | 28 |
| News Round Up | 30 |
| Cultivating the culture of GRATITUDE and APPRECIATION within OUR WORKPLACE | 36 |
| APPLES AND PEARS: Which is your body shape? | 38 |
| Gadget Gifts | 40 |
| Lawn Tennis for a Healthy Work Life Balance | 42 |
| AFRICA: A NEW HORIZON | 44 |
| The Ankara Revolution | 46 |
| Events Dairy | 48 |
| Social Dairy | 54 |
| Sharing Experiences | 56 |
| Book Review | 57 |
| Poetry | 58 |
| Quotable Quotes | 59 |
| Jokes | 60 |
| GREAT MOVIES for the entire family | 61 |