The NewTELLERInternational Debit Card Launched

ACB Staff spreads Christmas Cheer

Vo l u m e 0 3J a n u a r y 2 0 1 0

On 20 October, 2009 the Bank celebrated its 54th Anniversary in style. It marked the launch of our new International Debit Card.The Debit Card is accepted at all of ACB’s ATM locations free of cost, and for a small fee at other

banks’ ATMs. It can also be used for the purchase of goods and services everywhere that Visa®cards are a c c e p t e d . T h e launch of the International Debit Card was carried LIVE on ABS TV’s Good Morning Antigua & Barbuda.

Several residents had a brighter Christmas as a result of a kind gesture by the staff of Antigua Commercial Bank.Members of staff embarked on a food drive which was called “Our Christmas Pantry”. Each employee was required to make a donation to the effort. Speaking at the presentation ceremony, Collin Maynard highlighted the overwhelming response from the staff which afforded more than 20 families to benefit from the exercise.On hand for the presentation was Koren Norton, social worker at the

Mount St. John Medical Centre. She said during her line of work she is in contact with a number of families who are in need. As such, she thought the presentation was timely and well received.

In This Issue

Meet the Branch Ambassador...2

Board Room...3

ACB wins Pioneer Award ...3

Guess Who?...4

How to manage personal finances in

difficult economic times...7

A Guide to Customer Protection...10

HR Corner...12

Health Matters...13

Mitchell Hill receives his Debit Card from General Manager Gladston Joseph.

Issue 01

ACB Staff with some who benefited from Our Christ-mas Pantry

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Exemplary service with a smile! That’s one way we can sum up the work of our new Branch Ambassador, Melinda Fletcher.

Melinda joined our team in July and made an immediate impact among staff and customers. She is fun to be around and makes the work seems easy.

She takes care off all our customers, from the babies in arms to our treasured seniors who visit our Hospitality Suite.

Meet the Branch AmbassadorMelinda Fletcher

The Schools Independence Steel Band Competition 2009 received a major boost when our bank decided to be the official sponsor of all the prizes for the competition.

Marketing & Public Relations Executive Shawn Nicholas noted that the Bank strongly supports the pan movement and that attention has to be given to the young and upcoming pan players to ensure a bright future for the National Panorama Competition.

Pan Instructor in the Department of Culture, Patrick “Stone” Johnson thanked the Bank for the generous support to pan and the youth. He viewed it as an investment in the nation’s youth.

The Schools Independence Steel Band Competition took place on 29 October and was part of the National Independence celebrations. The competition was won by Princess Margaret School in the senior category and Sunnyside Tutorial School won the junior category.

Schools Steel Band Competition Receives Support

Pan Instructor Patrick Johnson receives the sponsorship cheque from ACB’s Marketing and Public Relations Executive Shawn Nicholas

Quote of the DayIt all boils down to two questions.Are we operating with excitement and passion?Do we respect and support each other?If so, we’re going to excel.”George Schultz

23 3Strength. Service. Solutions.

Antigua Commercial Bank wins Pioneer Award

Antigua Commercial Bank (ACB) has been recognized as being one of the pillars of the Caribbean Credit Card Corporation (4Cs).

At the Corporation’s 15th Anniversary Award Ceremony and Dinner in October, Assistant General Manager- Credit & Control, Denise Armstrong accepted the Pioneer Award on behalf of the bank. In accepting the award Mrs. Armstrong noted, “Antigua Commercial Bank is proud to be a founding member of Caribbean Credit Card Corporation and we will continue to support the Corporation as it provides an important service in Credit Card and Debit Card products to our community.”

4C’s was originally formed out of the need for value added services by some members of the Caribbean Association of Indigenous Banks. As a result, the Corporation is jointly owned by 13 banks throughout the OECS.

This section is to profile a member of the ACB Board of Directors.

This Issue features Director Mavis George.

Ms. Mavis George was elected to the Board in September 2009. She is currently the General Manager of Antigua Fisheries Limited and has been employed with the institution for approximately 20 years.

Ms. George holds a Masters Degree in Business Administration from the University of the West Indies; an Executive Diploma in Management, a Diploma in Accounting and a Certificate in Management from Japan International Corporation Agency (JCIA).

The Board Room

ACB’s Assistant General Manager Denise Armstrong accepts the Pioneer Award from 4C’s General Manager Jessel Gadsby.

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The residents and staff at the Fiennes Institute celebrated Independence Day in a special way. They were treated to lunch by our directors and members of the management team.

The lunch was prepared by Chef 2U Events Ltd, a partner in the project.

Assistant General Manager-Credit & Control, Denise

Armstrong indicated that the special treat was organized to show both the residents and staff at Fiennes that they were viewed as an important part of our community.

Following lunch, each of the 67 residents received a gift bag of toiletries.

This was the second consecutive year that the ACB Team visited the Fiennes Institute for Independence.

Special treat for Fiennes residents

Some members of the ACB Team get ready to distribute the gift bags.

ACB team serving food at Fiennes Institute

45 5Strength. Service. Solutions.

Antigua Commercial Bank celebrates is 55th Anniversary in October 2010. We welcome your suggestions on how you would like us to mark this milestone. Please send your suggestions to snicholas@acbonline.com

YOGURT AND FRUIT PARFAITSIngredients

3 cups vanilla nonfat yogurt1 cup fresh or defrosted frozen strawberries in juice1 pint fresh blackberries, raspberries or blueberries1 cup good quality granola

Directions

Layer 1/3 cup vanilla yogurt into the bottom each of 4 tall glasses. Combine defrosted strawberries and juice with fresh berries. Alternate layers of fruit and granola with yogurt until glasses are filled to the top. Serve parfaits immediately to keep granola crunchy

67

Antigua Grammar School Wins Challenge Trophy

Dear Miss Jarvis,

I wish to sincerely thank you and your team for all the assistance given in the preparation for this year’s Interview Challenge.

I have learnt so much over this short period and the knowledge gained will definitely be used in the near future.Once again, thank you and may God bless!

Yours sincerely,Yasmin EphraimA.G.H.S Participant in the College Fair, Interview Challenge

Antigua Grammar School has reclaimed its hold on the Antigua Commercial Bank Business Interview Challenge (BIC) trophy.

Fourteen-year-old Mitchell Lay was adjudged winner of the Best Business Interview segment of the competition and he also won the Best Overall prize of a laptop computer and a two-year scholarship from the Antigua and Barbuda International Institute of Technology and a trophy for his school.

Joirnique George of Jennings Secondary was awarded Best Job Application, while Brandon JnBaptiste of Clare Hall Secondary and Villacy Clendenen of All Saints Secondary School won Best Business Attire (male and female, respectively.)

The Business Interview Challenge (BIC) was introduced to enhance students’ job and college preparation skills. A total of sixteen (16) students entered the competition, representing Antigua Girls High, Antigua Grammar, Princess Margaret, Clare Hall Secondary, All Saints Secondary, Jennings Secondary, Pares Secondary, and Ottos Comprehensive,

Participants were required to submit a job application letter and rèsumè for their career choice. Eight students with the most outstanding applications were selected for real-life interviews with Senator Gail Christian.

Antigua Grammar School won the first BIC in 2007 with its representative Kadeem Joseph. Last year’s winner was Elicia Roberts of Princess Margaret School.

The BIC concluded the 2009 International College Fair which showcased more than 20 tertiary-level institutions from the United Kingdom, USA, Canada and the Caribbean

The top performers of the Business Interview Challenge. L-r Yasmin Ephraim ,AGHS Mitchell Lay, AGS, and Janelle Benjamin, AGHS.

Students at the International College Fair.

67 7Strength. Service. Solutions.

How to manage personal finances in difficult economic timesBy: Gladston S. Joseph

This is an important topic at this time for all of us especially as the economic crisis we face is being faced by others worldwide and there is the uncertainty as to how long it will last. As a consequence, we are forced to find ways to manage our personal finances effectively and I will attempt to provide some ideas as to how this could be done in these difficult economic times.

In good economic times we lived well, dressed nicely, ate out at restaurants and took exotic vacations. Now there are frequent layoffs with little notice and families are struggling to make ends meet. For most of us, the days of spending without thinking have disappeared. For many of us, it is a cold, hard reality which we are neither equipped nor prepared to deal with. So for those of us who find ourselves in this position, here are some ways you can control your finances in these challenging economic conditions:

Learn To BudgetThe way I see it is that in order to manage your personal finances properly you need to know where every penny you earn is going. A budget allows you to do the following: Track Spending- Many people shun the idea of a budget but it is one of the best ways to keep track of your monthly expenditures. A budget tracks your monthly income versus your outgoing expenses. Mortgage payments, rents, utility bills, car payments, gasoline, groceries, school fees and incidental expenses should be included in your budget. To get a true picture of your expenditures, every expense in your household for every member of your family should be part of your budget. Tracking your spending closely in a notebook or spreadsheet is the best way to get a good picture of your spending habits.

Trim Spending- Managing money or your finances includes limited spending when necessary or where possible. It is so much easier to identify the wastage when you have an accurate picture of where your money is spent each week or month. A budget can help you see the areas where money flies out of your pocket without realizing how much you spend. People often spend an inordinate amount of money each month on

things such as lunches, expensive coffee, treats and transportation without realizing the true cost.

Pay off Debt – An integral part of your budget is managing your debt load. Here the thing that comes first to mind is the credit card. Credit card debts can add up quickly. Throw in the high interest rate and this kind of debt can be a nightmare that follows you for a long time. In my view, it is best to pay off credit card debt as fast as possible. The monthly interest charges (what you pay to use the bank’s money) far exceed the benefits of retaining a

balance on your credit card.

Establish Goals/ Increase Savings – Budgets allow you to clearly see how your income is used each month. Once you have established a realistic budget and you are sticking to it, you are then in a position to set short and long term goals. Long term goals may

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include putting more money into your retirement account while short term may be saving towards the purchase of furniture or other needs.

Looking very closely at your monthly expenses allows you to save more money and you will need to keep track of what you are saving. Saving more gives you control over how you use your money.

Stick to it - Budgets are basically behaviour adjustment plans. Everyone needs to tailor spending to your income rather than trying to make your income fit your spending. Choosing to use a budget will assist you in lessening your stress over money. Budgets are most effective over a long period of time. Once you see the benefits of increased cash and less stress, your budget plan will hopefully become a regular part of your attitude about money.

Learn the difference between needs and wants. We often confuse what we want and what we really need and the confusion may not matter when we have a lot of money to spend. However, when you are feeling the pinch and belt tightening is a day to day thing, it matters. The fact is that if you are truly serious about taking control of your money, then you need to get serious about what you truly need.

Do not overspend at the grocery- Avoid buying non-essential items such as potato chips, cookies or candies. These things are not only expensive but they also do not provide adequate nutrition and cannot be converted into meals.

Cut the name brands and buy generic items. This is because you are pretty much buying the name and brand when paying for expensive items. Generic items are usually the exact same thing with just a different cover. This could save you lots of money! Where possible, Buy in Bulk alone or with friends and relatives. It is often cheaper than to buy an item individually.

Pay attention to transportation costs Ownership of a vehicle can be expensive therefore in trying times like these it is important to curtail these expenses as much as possible. Some suggestions would be not to take your car to the car wash. Wash it yourself or get your family involved. It could prove to be a good family activity.

Gas price is high and increasing, therefore, do not waste trips in your vehicle. If you need to go several places, plan one trip and map it out so that the locations are located, furthest to closest. Do not drive around looking for a destination. Do not drive around a parking lot waiting for the closest spot. Park far away and get the benefit of some exercise by walking.

Leave your credit cards at home Always take out cash for the week. Divide the number of days by the amount you have to spend and only spend that amount per day. Carrying cash also makes you more conscious of how much you are spending.

P e o p l e are generally more reluctant to spend cash than use their credit cards. I suggest you hold or carry only one credit card account. There is really no need to have more than one or two major credit cards. Anymore will get you in trouble. Use credit cards for emergencies only.

Negotiate with everyone you owe money . Most if not all creditors will consider revised payment plans as long as you let them know in advance. Don’t avoid your creditors. It is better to pay something since you can always pay extra when you are back on your feet.

89 9Strength. Service. Solutions.

Control utility costs Unplug all appliances, computers, refrigerators and other devices that are not being used. Take shorter showers. Turn your water heater temperature to medium. For those with lawn sprinklers, change the setting to water only once or twice a week. Do not let the TV run in a room where there is no occupant. Walk around your house turning off lights. Only have a light on in the room you are in. For those with Air Conditioning in their homes, do not cool the entire house if you do not have to. If your AC is zoned, only use the zone that you are in. Do not use electric heaters for heat unless you have to. These are very expensive to run. Sign up with any energy saver programmes with your utility provider.

Sell whatever you don’t use or need. Offer to sell other people’s items. In other words, become the neighbourhood yard sale manager and on the basis of a share of the profits. For the women, sell jewelry that you don’t wear. Sell that extra car if you don’t’ need it. Try to get by with using only one car.

Reduce or Eliminate various other household expenses.If you can’t do without Cable TV, you could reduce cost by reducing the number of channels. In any event you normally watch only five or six and there is a lot of garbage on TV anyways. Do you need both a land telephone and a cellular? Eliminating one could save cost.

Never Discard Loose change- Buy a bag of coin holders or plastic bags and secure them in same. You would be surprised how much money is laying around in loose change.

Plant a garden - If you can do this, the production of fresh vegetables would save you some money at the grocery.

Look for bargains/compare prices- Avoid purchasing on the spur of the moment especially for higher priced items. Call around and compare prices before leaving home. Listen for sales or bargains and take advantage of them if you can.

Quit Smoking – It is expensive and the tobacco

producers would serve the world better if they grew food instead. For those who can’t quit, you have the option of reducing the number of cigarettes per day and thus reduce such cost.

ConclusionWhile it is important to manage your personal finances along the lines I have suggested, it is important for me to stress the need for you to take care of yourself. The last thing you want in these difficult and challenging economic times is health problems especially if your job and access to health insurance is shaky.

Major health issues such as diabetes and cancer are expensive to treat and consequently a drain on household wealth. What I would urge is that you put the odds in your favour by taking charge of your health. Specific actions such as losing weight, exercising regularly, eating right and quitting smoking provide many associated financial benefits. No matter what, health is indeed the greatest wealth. The economy can seem out of control today but the best remedy for economic uncertainty is controlling the things we can. Numerous studies have confirmed that people, who maintain some measure of control over their lives in times of crisis generally, cope better and feel less powerless than those who don’t. Making plans and revising them is a characteristic of financially savvy people. Abraham Lincoln once said, “The best way to predict the future is to create it.”

Furthermore, the insurance company Northwestern Mutual, recently conducted a study which found that people who do things that constitute good planning tend to be happier than those who don’t. Specific practices which made planners feel better about life included setting financial goals, taking steps to achieve such goals and spending within a budget.

Accentuate the positive- Yes, these are tough economic times but it is also the best time to grow as a person. Learn new skills such as cooking or sewing. Enjoy more time with your family. Cultivate a simpler lifestyle and you won’t regret it.

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A Guide to Customer Protection By: Jacqueline A. Hewlett

Banks have a fiduciary responsibility to protect their customers’ money and these institutions usually invest heavily to ensure the safety of these assets from being accessed by scam artists, fraudsters or those intent on identity theft. Banks are mandated to verify that the customers are really who they claim to be. This is part of the ‘Know Your Customer’ (KYC) policy and includes verification documents such as government-issued photo ID’s (whether it be a passport, voter’s ID or driver’s license).

Customers may also be asked to produce a job letter, verification of address and contact information. Some persons may feel that it is an intrusion of their privacy to be asked to disclose this type of information but the more information the bank has on its customer, the easier it is to protect that person’s interests. Once a bank is able to create a profile of its customers, any significant change of what is ‘normal and expected’ for that customer should trigger a red flag for investigation.

However, to support what the Bank is doing, the customers themselves have a major role to play with regards to protecting their assets. The following are some suggestions of what customers need to be aware of to avoid being victims of financial crimes:

Report change in contact informationInform the Bank of changes to personal details such as address, name, place of employment, wages/salary, etc. This is important for maintaining good KYC principles, allowing the Bank to explain changes in the customer’s profile. The Bank should know if you change your address or telephone number so that it can contact you for verification of any noted changes in transaction activity or any flagged transaction. The Bank should even be informed of travel plans. For example, if a customer plans to use his/her ACB International Debit Card overseas, the bank should be informed so that the system would not deny access to your account for a transaction conducted overseas (flagged as suspicious).

Protect your PINSafeguard your PIN, username and password. No other person should have access to these identifying details. You should never write down this information or share this information otherwise you would have compromised your personal financial information. Some persons are afraid of forgetting this information so they write it on a bit of paper and put it in their purse or wallet. If you were to lose that wallet or purse or have it stolen, you would be making it easier for another person to access your money.

Be alert at the ATMExercise caution when using the ATM

• First and foremost, be aware of your surroundings. Make sure that no one is watching you as you input your PIN. Stand or park as close to the ATM as possible so that no one can see what you are doing

• When travelling overseas, avoid using private ATMs. Use only those ATMS attached to banks

• Try not to use ATMs late at night or in the very early hours of the morning when the place is relatively deserted. Put away your card and money before you leave the ATM. In the worst case scenario, if you are threatened at an ATM, cooperate fully; your life is more important than the money. And of course, inform the police and your bank immediately.

• Exercise caution when using your credit card or ACB International Debit Card:

- Make sure you keep these cards in a secure place at all times

- Never lend your card to anyone.

- Never give your Card information over the phone unless you can positively identify that the call is legitimate

1011 11Strength. Service. Solutions.

- Customers need to be aware the Bank does not ask them to provide sensitive Card (PIN/password) information via email. Customers who receive suspicious emails supposedly from their bank requesting this type of information are encouraged to report it immediately. This criminal activity is known as ‘phishing’.

- When using your credit card, make sure you don’t let it out of your sight

- Sign your debit card and credit card as soon as you receive them

- Shield your debit card/credit card so that others around you cannot copy it or capture it on a cell phone or camera

- Never respond to emails that request you to provide your credit card info via email or ask you to go to a website to verify personal /credit card information

- Take your debit card/credit card receipts with you after a purchase

- Open credit card bills and statements promptly and do not leave them lying around

• Discard bank statements and credit/debit card bills appropriately: When you throw something in the trash, it becomes available to anyone who is willing to look.

There are professional dumpster divers who are on the lookout for documents that have important information on them. Any document with a signature, account number, credit card number or any kind of personal information should be shredded.

• Exercise extreme caution when shopping online:

- Always ensure that you have virus and spyware detection software, and keep them updated- Before providing sensitive personal or financial information online, you should look for the icon with the symbol of a padlock at the bottom bar of the browser to ensure that the site is secure- In some cases, look at the address to see if it is preceded by “https” where the ‘s’ at the end indicates that the communication between the computers is secure.

There are persons who spend a lot of time devising ways of defrauding persons of their money. Bank products such ATM cards, international debit cards, credit cards, cheques, online banking: can all be compromised if other persons gain access to your personal financial information.

Identity theft occurs when someone uses your personally identifying information, like your name, or credit card number, without your permission, to commit fraud or other crimes.

Customers need to consider this information in the same way they think of their homes. We install locks, burglar bars and security systems, but with the right combination of time, perseverance and opportunity, a robber may still be successful. The same is true for bank products; there is always risk but you have to make it more difficult by protecting your information and following the guidelines as given.

Awareness is the first step to protecting yourself: be aware of how information is stolen and what you can do to protect yours. Arm yourself with the knowledge of how to protect yourself and take action. You can make identity thieves’ jobs much more difficult. When this is in place, you would have made invaluable contribution to helping the Bank protect your money.

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In these dire economic times when the gurus and experts continue to predict a worsening of the Caribbean economies, businesses have noted a rise in stress related illnesses including hypertension, headaches, chronic fatigue, insomnia and peptic ulcers.

The Bank, in recognizing the valuable role the staff plays in its success, engaged a trained psychotherapists/consultants to talk to the staff about techniques to handle stress.The response was overwhelming and the participants are requesting that the session be repeated.

The Bank has also offered to subsidize up to three private follow-up sessions for any employee who may require the service.

Employees examine stress management techniquesHR CornerHR Corner

PROMOTIONS

• Joyanne Byers-Cornelius – Finance & Accounting Executive • Devlene Steele – Share/Legal Assistant • Mynica Richards – Human Resource Assistant

NEW EMPLOYEES

• Heidi Hill – Executive Assistant to the General Manager & Asst. General Manager- Credit & Control • Lester Kelsick – Analyst/Database Administrator • Michael Robertson – MIS Manager • Danielle Reis – Systems Administrator • Tahira Joseph – Share/Legal Representative • Melinda Fletcher – Branch Ambassador • Danielle Jonas – Customer Service Representative • Krista Moore – Supervisor/ Assistant Accountant (Finance) • Jewel Thomas – Administrative/ Legal Secretary

• Claudette Simon – Collections Representative • Elsbeth Higgins – Swift Representative • Jerome James – Accounts Assistant • Sharon Carlos – ATM Representative • Rick Samuel – Customer Relations & SalesRepresentative (Private & Corporate) • Clovelle Gardner – Customer Service Representative at Customer Relations & Service Quality

TRANSFERS

Watch out for breast cancerBy: Cathy Buffonge (www.caribbeannetnews.com)

NEWBORN/BIRTH

Jason GreenawayJalen Alan Jason Greenaway, D.O.B: October 9, 2009 , Weight : 6lbs 7 oz

1213 13Strength. Service. Solutions.

Staffers listen to Dr. Joseph John as he makes a presentation on Breast Cancer.

Breast cancer is on the rise in Britain and other European countries, and this should make us take notice in the Caribbean, since we may not be far behind. British newspaper, The Independent, reports that there has been a sharp increase in cases of breast cancer in Britain over the past few years, with one woman in nine now developing the disease. This represents an 80% increase since the 1970’s, the paper says. Some risk factors mentioned in the paper include earlier menarche (start of menstrual periods) due to improved nutrition, later menopause, delayed childbirth (having children later) and smaller number of children; also decline in breastfeeding, increasing obesity / overweight, as well as increased alcohol consumption and possibly increased fat intake. Hormone replacement therapy after menopause also increases the risk, the paper said.We in the Caribbean should take note of these trends, since several of these risk factors can be applied to our region. Of course some of these factors are outside our control, but it is noteworthy that two of the

risk factors mentioned are obesity and declining breastfeeding. Both of these are highly relevant in the Caribbean situation, and are matters of concern to the Caribbean Nutrition Institute (CFNI). For many years CFNI has been promoting full breast feeding, which is recommended on its own for the first six months of a baby’s life. Exclusive breast feeding holds many benefits both for the infant and the mother, including protection of the mother against breast cancer. CFNI also promotes healthy eating and the avoidance of overweight and obesity (extreme overweight), since chronic diseases such as diabetes, hypertension, heart disease and some cancers are linked to obesity. The breast cancer risk is yet one more reason why we should try and control our weight. CFNI has also pointed some years ago to a link between a high fat intake and breast cancer. Early detection, fewer deathsIn spite of the rise in breast cancer in Britain and the European countries, the Independent reports that the actual number of deaths from breast cancer has fallen. This is because improved breast screening has led to earlier diagnosis and treatment. In other words although more women are getting breast cancer, it is detected at an earlier stage so that it can be successfully treated. One important method of breast screening is a mammogram, a special x-ray of the breasts that can detect possible breast cancer. This is available in some Caribbean countries, and for those who can, it is wise to take advantage of this

important investigation, which can make all the difference in early detection and diagnosis. However, regardless of this, all women are advised to do a monthly breast self-examination, and in addition they should have their breasts examined annually by a nurse or a doctor. Breast self-examination is easy, and women can consult with their health care provider, such as community nursing staff, for more information on how to do this. Women should not be scared of a lump being detected. The majority of breast lumps are not cancerous, and the early detection of any lump in the breast can be life saving. On the preventative side, let’s go back to those risk factors mentioned earlier, and encourage mothers to breast feed alone for as long as possible. We should also work harder to keep our weight down to a normal range in order to help prevent this cancer, as well as other chronic diseases.

Watch out for breast cancerBy: Cathy Buffonge (www.caribbeannetnews.com)

1415

By Heidi Hill

Would you work if you didn’t need the money? Suppose you won $1,000,000 in the lottery, would your job still be appealing to you? Many of us view our job as simply a four letter word (work) but our job has much more to offer. It’s more than a paycheck or means to financial security.

Persons who have found the type

of work that suits their abilities experience personal satisfaction, fulfillment and the pride of accomplishment. These feelings provide their own reward, distinct from income. Thus, work is related not only to economic well being, but also to emotional security, self esteem and contentment. Your job can offer a sense of identity and status, defining for you and for others who and what you are.

Your job can also give you the opportunity to learn new skills and master new challenges. It can bring positive social experiences. Your job can furnish the opportunity to form friendships and appreciate people from diverse backgrounds. Moreover, enjoying the work itself is almost always the facet correlated with high levels of overall job satisfaction.

Job satisfaction plays an integral role in the way one approaches and feels about his or her job. It

generates confidence, loyalty and ultimately improved productivity. What is even more stunning is that job satisfaction could have a remarkable impact on your health and the ability to build healthy relationships at work and at home.

On the other hand, if you do not love what you do, your job can be tedious, monotonous and somewhat hazardous to your health creating stress, anxiety and dissatisfaction.

So what do you look for in a job? Do you seek one that is challenging, interesting and meaningful, one that provides opportunities for advancement or simply one that offers a high salary? The criteria you establish for choosing a job can determine your happiness and your long term peace of mind. Once you can find meaning, personal enrichment, passion and love for your job you will feel satisfied and work would be more than a four letter word to you.

1415 15Strength. Service. Solutions.

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Across 1. ATM’s original name3. Location of ACB’s branch6. Deity 7. Hit 8. ___¬¬¬ Deposit9. Levy 10. Official seal 11.______Every 12. Annual gathering 14. Commercial 15. Bank’s Head 16. They represent shareholders19. consumes 20. Speak like a dove 21. Property owned by a person

23. Paid out 25. Type of balance 27. Not against 29. Lay out with expectation of profit30. Prior 31. Recent ACB product

Down1. Reproduce a document2. Market lady3. Price4. Employee with most tenure5. A left sided entry10. Piece of a receipt

11. Alter12. Head honcho at M&T17.Expert18.Speck22. Stationary24. Not affluent26.Considerate27. Number of ACB branches28. Genuine29. Pinnacle31. Legal profession collectively

Cross Word PuzzleBy: Jacqueline A. Hewlett