Highlights: 1. Editorial on yearly closing activities and responsibility of customer. 2. Two General Managers, Mr. Anand Pal Singh & Mr. Shabir Ahmad superannuate 3. J&K bank signs MoU with a leading housing project in jalandhar. 4. Segment on Doorstep Banking. 5. GM and GCO, J&K Bank Mr. Peer Masood Ahmad talks about Mule accounts and precautions thereof. 6. Lucky Draw & Weekly Quiz Contest (Send in your entries to jkbankdiary@jkbmail.com.** **Please dont forget to mention your name, residence, phone number and 16 digit bank account number in the mail).