Amway India Enterprises Pvt. Ltd.

New Diamonds

Rubina Tasneem
& Neyaz Ahmad

Meenakshi
& Dharmender Rana

November - December 2013

95

Building Healthy Businesses

One of the great things about owning an Amway business is that you decide what goals you want to
reach. You set the vision for where you want to go. Being successful means different things to
different people. But one thing is for sure: Successful Amway distributors share the strong common
set of values that have been a part of this business for more than 50 years.
Whether youve been in business for a while or are just starting out, long-term growth and success
is a result of the work you put in using principles and ethics as a guide. Were proud of our Amway
Business Owners who root their businesses in ways that reflect what Amway is truly all about. You
dont just talk about values, you live them.
At Amway, the same values that have been a part of our foundation since the beginning guide our
decisions and actions in all that we do. These values include integrity working honestly, reliably
and honorably; Partnership working effectively with others; personal worth believing in others;
personal responsibility being accountable; and Achievement celebrating and wanting to be
better. While we work to ensure policies and rules are in place to encourage honest and balanced
businesses, well also look to you to continue to embrace and communicate the need to conduct
ourselves with these same core values and ethical business practices.
The work you do and the way you do it continues to make Amway the best business opportunity in
the world. Thank you for all you do. Together, well build on the values that have made this business
so strong. And well ensure continued growth and success for many years to come.

Steve Van Andel

Chairman

AMAGRAM November - December 2013

Doug DeVos
President

03

November - December, 2013

RECOGNITIONS
Diamonds
Founders Emerald
Emerald
Founders Sapphire
Sapphire
Founders Platinum
Platinum
Gold Producers
Silver Producers

06
08
08
09
09
09
11
11
12

NUTRITION & WELLNESS

Immune Health with Nutrilite
Nutrilite Omega 3
Nutrilite Coenzyme Q10
Nutrilite Black Cohosh
Nutrilite Glucosamine

EVENTS, SERVICE & INFORMATION

ABOs Training
Business Opportunity
E-Learning
First Purchase Oer
Renewal
Plain Speak
Amsure
AOF

PERSONAL CARE

16
18
23
24
30-31
32
33
34

Dynamite Whitening Cream

& Face Wash
Attitude & Dynamite Deodrant

Dish Drops
Home Care Promo
SA8 Delicate

02
19
21
25

Levels of Recognition

Training Calender

Founders Executive Diamond *

Sapphire

Crown Ambassador

Executive Diamond

Founders Ruby

A Crown Ambassador is a qualified Platinum who

has sponsored 20 legs, each of which was at the
21% performance bonus level for at least 6
months of the performance year or is a Diamond
Bonus Recipient who has achieved 27 FAA Points.

A Founders Executive Diamond is a qualified

Platinum who has sponsored 9 legs, each of which
was at the 21% Performance Bonus level for all 12
months of the performance year or is a Diamond
Bonus Recipient who has achieved 12 FAA Points.

An Executive Diamond is a qualified Platinum who

has sponsored 9 legs, each of which was at the
21% Performance bonus level for at least 6 months
of the performance year or is a Diamond Bonus
Recipient who has achieved 10 FAA Points.

Founders Crown*

Founders Diamond *

Crown

Diamond

A Founders crown is a qualified Platinum who has

sponsored 18 legs, each of which was at the 21%
performance bonus level for all 12 months of the
performance year or is a Diamond bonus Recipient
who has achieved 25 FAA Points.

A Crown is a qualified Platinum who has

sponsored 18 legs, each of which was at the 21%
performance bonus level for at least 6 months of
the performance year or is a Diamond bonus
Recipient who has achieved 22 FAA Points.

Founders Triple Diamond *

A Founders Triple Diamond is a qualified Platinum

who has sponsored 15 legs, each of which was at
the 21% performance bonus level for all 12
months of the performance year or is a Diamond
bonus Recipient who has achieved 20 FAA Points.

A Founders Diamond is a qualified Platinum who

has sponsored 6 legs, each of which was at the
21% Performance bonus level for all 12 months of
the performance year or is a Diamond bonus
Recipient who has achieved 8 FAA Points.

A Diamond is a qualified Platinum who has

sponsored 6 legs, each of which was at the 21%
Performance Bonus level for at least 6 months of
the performance year.

Founders Emerald *

A Founders Emerald is a qualified Platinum who

has sponsored 3 legs, each of which was at the
21% performance bonus level for all 12 months of
the performance year.

Triple Diamond

Emerald

Founders Double Diamond *

Founders Sapphire

A Triple Diamond is a qualified Platinum who has

sponsored 15 legs, each of which was at the 21%
Performance bonus level for at least 6 months of
the performance year or is a Diamond bonus
Recipient who has achieved 18 FAA Points.

A Founders Double Diamond is a qualified

Platinum who has sponsored 12 legs, each of
which was at the 21% Performance Bonus level for
all 12 months of the performance year or is a
Diamond Bonus Recipient who has achieved 16
FAA Points.

Double Diamond

A Double Diamond is a qualified Platinum who has

sponsored 12 legs, each of which was at the 21%
Performance Bonus level for at least 6 months of
the performance year or is a Diamond Bonus
Recipient who has achieved 14 FAA Points.

13
14
28

INSERTS

Founders Crown Ambassador*

A Founders Crown Ambassador is a qualified

Platinum who has sponsored 20 legs, each of
which was at the 21% performance bonus level for
all 12 months of the performance year or is a
Diamond Bonus Recipient who has achieved 30
FAA Points.

26
27

HOME CARE

BEAUTY
Attitude Lip Gloss
Artistry Renewing Peel
Artistry SRL Promo
Attitude Whitening Cream

05
17
20
22
29

An Emerald is a qualified Platinum who has

sponsored 3 legs, each of which was at the 21%
performance bonus level for at least 6 months of
the performance year.

35-36

A Sapphire is a qualified Platinum who has

sponsored 2 domestic 21% legs in the same
month, for 6 months in a performance year, whilst
maintaining 4000 personal Group PV or has a third
21% leg in the absence of 4000 GPV in any month.

A Founders Ruby is a qualified Platinum who has

maintained 20,000 Personal Group PV for all 12
months in a performance year in market.

Founders Platinum*

A Founders Platinum has attained 12 qualifying

months at the Silver Producer Level as defined in
the Amway Business manual for all 12 months in a
performance year in market.

Ruby

A Ruby is a qualified Platinum who has attained at

least 20,000 Personal Group PV in any one month
during the performance year in market.

Platinum

A Platinum has attained 6 qualifying months at

that Silver Producer Level as defined in the Amway
Business manual, at least 3 of which are
consecutive.

Gold Producer

A Gold Producer has attained three qualifying

months at the Silver Producer Level as defined in
the Amway Business Manual.

Silver Producer

A Silver Producer has attained a qualifying month

at 21% as defined in the Amway Business Manual.

A Founders Sapphire is a qualified Platinum who

has sponsored 2 domestic 21% legs in the same
month, for all 12 months in a performance year,
whilst maintaining 4000 personal Group PV or has
a third 21% leg in the absence of 4000 GPV in any
month.

* Volume equivalency is also applicable to these Founders levels.

Amagram is published bimonthly for all Amway Business Owners by Amway India Enterprises Pvt. Ltd., First Floor, Elegance Tower, Plot No. 8, Non Hierarchical
Commercial Centre, Jasola, New Delhi - 110 025 India. All rights reserved. Reproduction in any manner prohibited. Amway India Enterprises Pvt. Ltd. is a member of
Indian Direct Selling Association. Throughout this publication * indicates trademark of Alticor Inc., U.S.A.

Diamond

RECOGNITION

A Diamond is a qualified Platinum who has sponsored 6

legs, each of which was at the 21% Performance Bonus level
for at least 6 months of the performance year.

Neyaz Ahmad
& Rubina Tasneem
Businessman (H) & Computer Professional (W)
DOJ: 25/07/1999 | PATNA
Some people set the Winning
Line in their life & some do
not; Some people set the
Winning Line but do not run,
whereas some people run but
quit in the middle. Someday
there is someone who sets the
Winning Line, runs and nishes
it and then sets another Winning
Line, and so on.
We are the Winners who
nished the Winning line of
Diamondship and have set
another Winning Line and got
the opportunity to share our
background.
I come from a very humble Family, and had a conventional
business of Export & Import before I joined this wonderful
Amway Business. I had just started my Export Import
business, when I got this Amway Business opportunity from
one of my Brother-in-laws friend. I started the Amway
Business right away, causally, unaware of its Big life
changing potential. I, learnd from one of my German buyers
about the Big potential of Amway Business in India, which
helped me develop my faith and opened my eyes to the
potential of this Big Business opportunity. There after I did
not look back worked hard and moved on with great
enthusiasm, and today I am a Diamond in Amway Business.
Friends, I did my Graduation in Chemistry (Hons) and
designing, then started Export Import business and nally
landed in Amway Business. I think the reason behind all
these transitions was the desire to do something dierent
and live above the Life of an Average living standard. I
remember a dialog from a movie which motivates me a lot
Some people do one Job all their life whereas there are
some who shoulder multiple responsibilities all their life.
My wife Rubina did her Computers Application after
completing Graduation. We met through this Amway
Business when she was my downline. I got married to
Rubina when I was Ruby in this Business. We are blessed
with twins, son - Rahil
and daughter- Zaina.
I started this Business in
Kolkata but came to my
native place Bihar and
expanded I my business
over here a fast pace.
Today
our
Amway

06

Business
team
is
expanding all over India,
and it is just the beginning.
Inshallah my goals to
become
a
Crown
Ambassador & beyond.
We are achieving some
materialistic
rewards,
along with being a better
human being with the help
of this Wonderful Business
opportunity.
We
are
fortunate to travel several
Countries through this
Amway Business. We have
become the Idol of our
children and the Amway
Business had become our
Family Business. My all
three
brothers
are
Platinum & Up and
Rubinas elder brother too
is Platinum in this Amway Business. Today we are enjoying
the four Pillars Family, Freedom, Hope & Rewards of
Amway Business.
We would like to thank to Almighty Allah who helped us
take the right decision to build the Amway Business and the
co-founders Amway Rich Devos & Jay Van Andel to make
such a marvelous Business opportunity; Then to our entire
Uplines, whose Mentorship and Philosophy helped us
change our Life from nobody to somebody and also like to
thank our dynamic, hardworking, dedicated & winner
downlines who are helping to grow the business all over in
India and abroad.
Finally we have discovered in these years that the Amway
Business is a Big portable business opportunity which works
like a Big mobile Shopping mall.
There is no Winner or Loser phrase in Amway Business but
Winner or Quitter. If you do not quit and do whatever it
takes to win, you achieve your Goals you set.

Diamond

RECOGNITION

A Diamond is a qualified Platinum who has sponsored 6

legs, each of which was at the 21% Performance Bonus level
for at least 6 months of the performance year.

Meenakshi Rana
& Dharmender Rana
Masters in Comptuers (W) & Electronics Engineer (H)
DOJ: 15/01/2001 | GURGAON
great

Today we thank God

that he gave us the
wisdom to make the
right choices. We
thank
our
great
mentors who kept
faith on us when
nobody was having.
Also we thank our
smart & hardworking
team because it is the
magic of teamwork only that allows common people like us
to attain great results.
After doing Electronics Engineering and dierent courses
while in job, I worked for 15 years in country's leading
organisations. My wife, Meenakshi, is Masters in Computer
and worked as Senior Manager in a company, before opting
a for teaching profession.
I belong to a very small village Ferozpur Banger in Distt.
Sonipat (Haryana) and am now settled in Gurgaon. My
father is a retired as Executive Engineer from state govt's
Irrigationdepartment, and mother is a housewife.
Meenakshi belongs to Bahadurgarh in Distt. Jhajjar
(Haryana). Her father is a retired Electrical Engineer of state
Electricity Deptt. and mother a housewife.
One afternoon durring my routine oce job, one of my
colleagues showed me the Amway Business Plan. It
appealed to me and I lled the joining form immediately.
Little did I know at that stage, that this insignicant
decision, will later change our lives so signicantly.
At that time our life was 'Cool', with three good incomes in
a family of four Having own car and house without any
EMI's. Then despite of opposition from our parents and
no-success in initial years of business, we worked hard &
built the business!!!
We both are big dreamers and were attracted by great
rewards of this business. Meenakshi wanted freedom from

job, foreign travel, (a life of

celebrity-people
taking
photographs & autographs,)
lots of shopping without
checking the purse and a
budget-free life. I also wanted
to be my own boss so that I can
do what I love to do; to paint, to
write, to play cricket, to travel
the world.
Today most our dreams are
fullled and have set new goals.
For 6 years, I built the business
part time with my job and now
for last Six years, we both are
free from boss due to great
income from our Amway business. In the morning sipping
tea in our balcony when we see people rushing to their
oces, we thank God & Amway for this freedom not only
for us but our next generations.
Through this business income I drive a SUV and Meenakshi
drives a decent Sedan car, live in a 400 square yard
independent house with all modern facilities. We have
enjoyed International trips to Italy, Spain, France, China,
Thailand, Malaysia, Switzerland and Australia. Also we were
able to aord three international trips to my parents and
in-laws and today they are very happy with our decision of
building this wonderful business.
Dear friends, take a decision to be successful in this business
to leave life of compromises and to live a life of choices;
because "JINDAGI MILEGI NA DOBARA".
"Destiny is not a matter of
chance, it is matter of choice;
it is not a thing to be waited
for, it is a thing to be
achieved"

We are searching for the

Searchers who believe
in themselves

AMAGRAM November - December 2013

AMAGRAM November - December 2013

07

RECOGNITION

FOUNDERS EMERALD
A Founders Emerald is a qualified Platinum who has sponsored 3 legs, each of which was at the 21% Performance Bonus level
for all 12 months of the performance year.

Chand, Sangita & Shraban Kumar

Bhubaneswar

Samal, Pranati & Kashyap Kumar

Bangalore

Samaratunga, Tissa & Maithree

New Delhi

Chandrika Wahie & Ratish Wahie

Bangalore

Singh, Prakash Kumar & Neena

New Delhi

(Authorised Representative of Eggers & Associates India Private Ltd.)

Agrawal, Manoj Kumar & Sangeeta

Varanasi

Benipal, Rajinder Singh & Harjinder K A

Nalagarh

Prasad, Tarun & Shakuntala, Shakuntala

Brar, Parvinder & Gurvinder
Bajpai, Poonam

Puri, Pinky & Kawal Nain Singh

Mumbai

Bathinda

Mondal, Balaram & Shila

Bareilly

K L Senthil Kumar & S Chitrakala

Erode

Manoj Kumar Ganesan & C, Shivapriya

RECOGNITION

Singh, Shyam Sunder & Archana

Faridabad

(Authorised Representative of Vision Inc.)

Bangalore

EMERALD

(Authorised Representative of V Care Organisation)

Chamorshi

Nair, Sunita

Ahmedabad

Whabi, Vinod & Roma

Mumbai

Potdar, Abhijit & Asha A

Karve

Patel, Bhupatbhai & Chetnaben

Surat

Gopa Sarkar

Siliguri

Shah, Bhadresh J & Gira B

Vadodara

Kukreja, Jagmeet Singh & Navneet Kaur

Indore

An Emerald is a qualified Platinum who has sponsored 3 legs, each of which was at the 21% Performance Bonus level for at
least 6 months of the performance year.

Bhawani Shankar Mishra

& Santoshi Dash

Anju Sahu

Suparna Sanyal
& Biswajit Sanyal

Businessman (H) & Executive (W)

Homemaker

Homemaker (W) & Service (H)

DOJ: 11/06/2002 | KALAHANDI

DOJ: 20/03/2001 | PATNA

DOJ: 06/04/1999 | KOLKATA

I am a Commerce Graduate and Santoshi is an

executive. I was introduced to Amway business
in 2002 and felt this is the opportunity of
lifetime. Santoshi joined me after our marriage
in December 2005.
We faced many challenges but thanks to our
uplines we were able to learn the skills needed
to achieve success. We are thankful to our
family, daughter, Akansha, dynamic team &
our great mentor.

I am a homemaker and my husband is an

executive. We are blessed with a daughter,
Ankita (20 years) and two sons, Abhigyan (18
years) and Ansuman (15 years). We were
introduced to Amway opportunity through a
senior colleague of my husband.
We belong to a middle class family and the
credit to our success goes to the Almighty, our
uplines and downlines. We have been blessed
with hope and mental peace thanks to this
wonderful opportunity.

I am a homemaker & my husband is an

executive. We are blessed with a handsome
son, Raunak. I am a simple woman with big
dreams. Initially, I lacked in self- confidence
but Amway made me believe in myself. Now
we are really excited to build this business.
I am grateful to the Almighty. We could not
have reached this level without the support
and guidance of my upline and entire team.

Success means having the courage,

determination and the will to become the
person you believe you were meant to be.

A person poor in money but rich in words

always succeeds in Amway business!

Where there is a will, there is a way!

08

Indore

Lucknow

Bikaner

Awasty, Pooja & Abhay

Khanuja, Charanjeet Singh & Ravleen Kaur

Jabalpur

Jalandhar

Goyal, Amrita & Vivek

Coimbatore

Batra, Satish & Vandana

Kanpur

Singh, Sukhwinder & Kaur, Rajwinder

S, Somasundaram & Sathya Priya R

AMAGRAM November - December 2013

RECOGNITION

FOUNDERS SAPPHIRE
A Founders Sapphire is a qualified Platinum who has sponsored 2 domestic 21% legs in the same month, for all 12 months in a performance year, whilst
maintaining 4000 Personal Group PV or has a third 21% leg in the absence of 4000 GPV in any month.

Basu, Putul

Shyamnagar

Bhol, Shanti Ketan & Pravati

Balasore

Bose, Ranjan & Sabita

Agartala

RECOGNITION

SAPPHIRE

Bhojane, Abhijeet & Urmila

Mewada, Chandrika Girish & Girish

Satara
Vadodara

A Sapphire is a qualified Platinum who has sponsored 2 domestic 21% legs in the same month, for 6 months in a performance
year, whilst maintaining 4000 Personal Group PV or has a third 21% leg in the absence of 4000 GPV in any month.

Sudha Kumari
& Kamal Singh Charak
Govt. Teacher (W) & Agriculture Officer (H)
DOJ: 06/01/2000 | JAMMU

Both of us are executives but now we are full time

business owners. One of my friends introduced us to this
wonderful opportunity and we decided to build it. We
are blessed with two angels, Epsa and Wilma.
Amway changed our life completely. It has blessed us
with great products, association, teachings and rewards.
We are thankful to God to bless us with such great
uplines and dedicated team.
Patience is the greatest prayer!

RECOGNITION

FOUNDERS PLATINUM
A Founders Platinum has attained 12 qualifying months at the Silver Producer Level as defined in the Amway Business manual for all 12 months in a
performance year in-market.

Rahman, Shakil Ur & Naresha

Kumar, Rajesh
Sanga, Zothan & Chhakchhuak, Lalnunpari
Mondal, Purba & Biswajit
Pathak, Sonalika & Swapan Kumar
Khandelwal, Prakash
Chattopadhyay, Saswati
Tripathy, Basanti
Huidrom, Sweete Chanu
Jha, Kiran
Ray, Jogamaya
Pradhan, Manoj Kumar & Purnima
Ahmad, Faraz
Mohanta, Kamal Lochan
Basu, Madhab
Saikhom, Lovejoy
Sarkar, Rina & Tarun Kanti
Rai, Meena Kumari & Bishnu Kumar
Chatterjee, Chandan & Samapti
Singh, Amar Pratap
Mehta, Divya
Pal, Kheya
Bej, Ratikant & Behera, Arpita
Patnaik, Subhendu & Leena
Dutta, Anchala & Sarma, Dibyajyoti
Swain, Rabindra & Majhi, Anita
Prasad, Rina
AMAGRAM November - December 2013

Jorhat
Bhr Sharif
Aizawl
Midnapore
Jalpaiguri
Kolkata
Kolkata
Bhubaneswar
Imphal
Patna
Bhubaneswar
Bhubaneswar
Arrah
Karanjia
24 Parganas - North
Imphal
Coochbehar
Namchi
Murshidabad
Jamshedpur
Jamshedpur
North 24 Pgns
Bhubaneswar
Bhubaneswar
Guwahati
Bhubaneswar
Patna

Sarkar, Shila & Ratan

Kumar, Sanjeet & Sinha, Sushila
Nandani, Deepa & Sanjiv
Diki, Ellen & Jerome, J.Thangkhuma
Ghosh, Kakali & Maloy
Kumari, Rashmi
Send, Santosh Kumar & Hemalata, S
Mohapatra, Shashi Bhusan & Panda, Nirmala
Shastry, M Ram & Sharda, M
Majumder, Sonali & Suprabhat
Behera, Brajeswari
Behera, Pankaj Kumar & Hemalini
Singh, Chandra Kumar & Devi, A Mandaki
Dubey, Sujanti & Santosh Kumar
Kumar Sinha, Ranjan & Sinha, Madhu
Laha, Jayanti & Buddhadeb
Chowdhury, Uttam & Susmita
Giri, Raikamal & Gautam
Khan, Sandip & Khan(Dey), Debarati
Prasad Shandily, Mantu & Kumari Nisha
Roy (Podder), Shilpi & Roy, Deeptendu
Saha, Shubhamoy & Mamon
Dutta, Sumana & Ratan Kumar
Chatterjee, Pradip & Rinku
Ghosh, Sarasi
Raj, Rajnish Kumar & Burma Mani, Sunita
Sahoo, Srinibas & Subhashree

Kolkata
Nalanda
Kolkata
Aizawl
Kolkata
Patna
Rourkela
Bhubaneswar
Jamshedpur
Shyamnagar
Bhubaneswar
Balasore
Itanagar
Dehri On Sone
Patna
Burdwan
Agartala
Midnapore
Bankura
Gaya
Agartala
Kolkata
Jamshedpur
Kolkata
Kolkata
Patna
Delhi

09

RECOGNITION

FOUNDERS PLATINUM
A Founders Platinum has attained 12 qualifying months at the Silver Producer Level as defined in the Amway Business manual for all 12 months in a
performance year in-market.

Sabbharwall, Vimmy & Kumar, Vijay

Kumar, Vinod & Sharma, Janak
Satapathy, Rashmi Rekha
Vinod, Tasneem & Yadav, Vinod
Hamamato, Tomoko & Hamamoto, Yosuke
Nagata, Akihiko & Junko
Rai, Raj Kisori & Subas
Kataria, Meenakshi & Rupan
Singh, Nutan & Ravi Prakash
Malhotra, Gurvinder Singh & Gurpreet Kaur
Sonkar, Preeti & Jitendra Bahadur
Kumar, G Surendra & G Geethanjali
Gupta, Ekta & Piyush
Goyal, Manju & Narinder Kumar
Rani, Sharda & Sandhu, Gurnam Singh
Bamal, Sandeep & Kiran
Kumar, Sarita & Pramod
Ahuja, Mayank & Preety
Kaur, Satwinder & Singh, Avtar
Gupta, Nidhi
Kaur, Bimaljeet & Sabharwal, Taranjit
Choudhary, Ashima & Akhil
Mishra, Purnima & Rajendra Kumar
Singh, Shiv Prakash & Royana
Pathak, Om Prakash & Gunjan
(Authorised Representative of Spandan Distributors)

Jalandhar
Gurdaspur
New Delhi
Ghaziabad
Gurgaon
Gurgaon
Varanasi
Bathinda
Jaunpur
Shahabad Markanda
Ghaziabad
Gurgaon
Noida
Bathinda
Karnal
Hissar
New Delhi
Shahabad Markanda
New Delhi
Bareilly
Ambala
Gurgaon
New Delhi
Varanasi
Kanpur

Jayara, Pratima & Jayendra S

Sandhu, Gurdial Singh & Kaur Sandhu, Simranjit
Yadav, Kavita & Maha Singh
Wadhwa, Ritu & Gulshan
Saxena, Rakesh Swaroop & Laxmi
Dutt, Ajay & Ruchi
Seth, Prem Lata & Kiran
Kapoor, Smriti
Sinha, Nisha & Kumar, Sanjeev
Singh, Asha & Shailendra Kumar
Agrawal, G N & Seema
Agarwal, Seema & Manoj Kumar
Kushwah, Shiv Singh & Kela Devi
Shrivastava, Archana
Sharma, Bhagwati Devi & Ajay Kumar
Patel, Abha & Purushottam
Malik, Riyaz Ahmed & Tasia
Goyal, Peeyush & Mittal, Saket
Sharma, Vidhya & Ved Ram
Kumar, Vinay
Sharma, Krishna & Katal, Kiran
Gupta, Kailash Devi & Gauri Shankar
Ojha, Sachi Prakash & Chandra Prakash
Rao, Seema & Krishna Murari
Singh, Poonam & Manoj Kumar
Sharif, Babaloo & Nisha, Badarun
Dadhwal, Ashok K & Meenakshi
Rekha Arun Aggarwal

Dehradun
Batala
Behror
Karnal
Lucknow
Ghaziabad
Noida
Ludhiana
Ghaziabad
Varanasi
Auraiya
Kanpur
Rupbas
Varanasi
Bikaner
Kanpur
Anantnag
Gurgaon
Ghaziabad
Faridabad
Jammu
Sri Ganganagar
Allahabad
Gorakhpur
New Delhi
Mirzapur
Pathankot
New Delhi

Sharma, Anuradha & Anil

Potipireddy, Satyavathi & Satyam Naidu
Pakhal, Shivkumar G & Nirmala
R Prabavathy, & K Raja
C P, Josephin Nija & P G, Stalin Bose
Badamoni, Rajitha & Baleeshwaraiah
Msa, Srivatsava & M.Radhika
V, Sujatha & Shyam Sunder Reddy
Peddireddi, Govinda Rao & Lanka, Tulsi Mdhuri
Kowkuntla, Ashwanth Reddy & Rekha
Chilka, Rameshbabu & Vaddi, Syamala
K, Kiran Kumar & Meenakshi
Aduri, Siva Sankar Reddy & Prasanna Kumari
Sugali, Lalitha & P, Shobhanreddy
V, Sujatha & M, Gopi
Konduru, Neelavathi
Hegde, Shankarnarayan & Geeta S

Gurgaon
Maddilapalem
Bidar
Chennai
Chennai
Hyderabad
Tirupati
Hyderabad
Hyderbad
Hyderabad
Guntur
Srikakulam
Kadapa
Anantapur
Bangalore
Kodur
Uttar Kannada

(Authorised Representative of Hicolor World)

10

Hegde, Rajeshwari A
Uttar Kannada
Kennadi V, & Boopathi T
Hosur
Shaik, Riyaz Ahmed & Muneera
Khajipeta
P, Sangeetha & N, Sampath Kumar
Erode
H, Mohana & Harikanth
Chennai
Rachakonda, Guruvaiah & Sreelakshmi
Giddalur
Mallikarjuna, & Kamalabai, S
Anantapur
C N, Aruna & Balaiah, Narasimhan
Chennai
Vallabhadas, Raghavender & Divya
Hyderabad
Girish S Shet, & G Shet, Jyothi
Udupi
K, Samundeswary & S, Kumar
Chennai
Karri, Sarat Chandra & Hema
Bangalore
Bhangur, Rohini & S A, Neelakanth
Bangalore
Mendonca, Laveeta Reena & Oswald Sunil
Bangalore
Pinto, Flavia & Peter A
Mangalore
V S Vijai, & V, Vidya
Bangalore
Vaidya, K Ganapathi & Arundathi
Udupi
S, Muthalavishnudevi & R, Karthikeyan
Kanchipuram
Banoth, Nethaji & Dharavathi, Swarooparani
Vengannapalem
Samal, Asweeni Kumar & Smita Rani
Bangalore
M Ravi, & M Thenmozhi
Vellore
P V, Kulandaivelu & J, Bhuvaneswari
Dharmapuri
Shashidhar, Mangala & G N, Shashidhar
Bangalore
Thalanki, Krishna Devika
Hyderabad
Gautam, Munshilal & Abhay
Balaghat
Jain, Mamta Pramod & Pramod S
Mumbai
Parmar, Manoj & Manju
Vadodara
Gadpalliwar, Rajendra Namdeorao & Amruta Rajendra
Gadchiroli
Bala, Bidhan S
Shrinibashpur
Kushwaha, Rajkumari Harprasad & Har Prasad
Badlapur
Pagi, Kamlaben P
Santrampur
Bande, Balaji Anantrao & Pallavi Balaji
Latur
Patel, Hetalben Atulkumar & Atul B
Lambhvel
Shrivastav, Kalpna & Shanti Prakash
Surat
Parsai, Sangeeta & Pradip
Itarsi
Chilwant, Arun Murlidhar & Sumatee
Parbhani
Karande, Sandeep Kundlik & Poonam
Navi Mumbai
Kotharay, Madhur & Subodh Narayan
Mumbai
Gupta, Anoop & Arti
Jabalpur
Patel, Bipinchandra M
Ahmedabad
Jagatap, Dilip Baburao & Suvarna D
Karad
Shukre, Swati & Shekhar
Indore
Pedamarla, Praveen Kumar & Ramya
Pune
Mohadarkar, Ashish Kamalakar & Vaidehi
Pune
Gujar, Indumati Ganesh & Ganesh Vittha
Aurangabad
Patole, Sanjay & Shalini
Karad
Purohit, Jamnadevi S & Sanjaykumar G
Navsari
Jasani, Payal & Sanjay
Surat
Bharodiya, Nidhi Lalitkumar & Lalitkum
Surat
Vekariya, Manjulaben Shivlal & Shivlal
Navsari
Shah, Rupesh Poonamchand & Meghana Rupesh
Ahmedabad
Ali, Surjeet & Shrijakir
Rajnandgaon
Desai, Prerana M & Mehul
Surat
Sodhi, Kanwal Deep & Hardeep Singh
Nagpur
Thakor, Fainy
Vadodara
Kotaria, Sangita Somabhai
Ahmedabad
Shethji, Dhara Krishna & Krishna
Navsari
Dobariya, Surabhiben Mahendra & Dobaria, Mahendra
Junagadh
Bhambri, Sagar Sunil & Rachita
Mumbai
Sharma, Kumud & Rakesh
Jabalpur
Ambaliya, Hina D & Dharmesh Kalyan
Surat
Aich, Jivan Ravindra
Chamorshi
Kadam, Satish G & Dipali S
Nagpur
Kulkarni, Sai Shridhar & Shridhar Vinayak
Karad
Devi, Nitu & Singh, Nilesh Kumar
Vasai Road
Gore, Shalini Neelesh & Neelesh
Mumbai
Mani, Jaikumar & Jaikumar, Smita
Mumbai
Gawshinde, Ashish & Shalini
Khargone
Nalawade, Sunita Satish & Satish
Mumbai
Arnikar, Sujata & Ganesh
Pune
Yadav, Manohar Lal & Kalpana
Mumbai
Dosi, Sweta & Manish
Nagpur
AMAGRAM November - December 2013

FOUNDERS PLATINUM

RECOGNITION

A Founders Platinum has attained 12 qualifying months at the Silver Producer Level as defined in the Amway Business manual for all 12 months in a
performance year in-market.

Sonar, Lalita Suryakant & Suryakant Venkatrao

Shrivastava, Anju
Tiple, Sreelatha & Shailesh
Warekar, Neeta Sanjay & Sanjay
Sharma, Dinesh Kumar & Manisha
Shamsuddin, Dr Zainab
Nagale, Yojana & Rajesh
Anthony Dsouza & Co
Kothapalli, Sarat Kumar & Lavanya
Katrapati, Lakshmi Prasuna & Mallaprag
Bhukya, Vara Lakshmi
Sridevi Pisipaty & Vedantam, Chandra

PLATINUM

RECOGNITION

Jalna
Jabalpur
Navi Mumbai
Mumbai
Ujjain
Pune
Nagpur
Mumbai
Visakhapatnam
Hyderabad
Secunderabad
Hyderabad

B, Vinay Kumar & Eranna

Pulakaram, Lakshmi Pathy Raju & Anjamma
Guntoju, Srinivasa Chary & Gayatri
Sampathi, Premalatha & Maddi, Sreenivas Reddy
Gopinath Kondoju
Adimulam, Venkata Prasad & Peddanna
B, Krishna Mohan & Swathi
Kamarapu, Jaya Laxmi & Madhu
Karne, Subhadra & Adapa, Rajaiah
Nandyala, Subbarayudu & Malleswari
Sinora Rai

Kurnool
Punganur
Nalgonda
Hyderabad
Wanaparthy
Kanigiri
Hyderabad
Hasanparthi
Mahadeopur
Kadapa
Darjeeling

A Platinum has attained 6 qualifying months at Silver Producer level as defined in the Amway Business Manual, at least 3 of
which are consecutive.

Kanchan
& Anand Singh

Bhagwat Bansal
& Kalpana Bansal

Pankaj Ramniklal Shah

& Tejal Pankaj Shah

Milan Banerjee
& Reena Banerjee

Kamlesh Nandan Mishra

& Prabha Mishra

Homemaker (W) & Businessman (H)

DOJ: 01/08/2011 | MIRA ROAD

Doctors (Both)
DOJ: 30/11/2010 | SHIVPURI

Businessman (H) & Homemaker (W)

DOJ: 13/04/2009 | MUMBAI

Businessman (H) & Homemaker (W)

DOJ: 14/04/2005 | BADLAPUR

Businessman (H) & Homemaker (W)

DOJ: 13/08/2007 | ALLAHABAD

Sujata Padhi
& Harekrushna Padhi

Santosh Kumar Singh

& Suman Singh

Goutam Mukherjee
& Papia Mukherjee

Pranab Seal
& Sunita Seal

Nepal Chandra Mandal

& Sulekha Mandal

Service (H) & Homemaker (W)

DOJ: 30/04/2004 | BOLANGIR

Service (H) & Teacher (W)

DOJ: 24/05/2008 | JAMSHEDPUR

Businessman (H) & Homemaker (W)

DOJ: 05/05/2008 | KOLKATA

Businessman (H) & Homemaker (W)

DOJ: 12/02/2003 | HOOGHLY

Self Employed (H) & Homemaker (W)

DOJ: 11/04/2001 | KOLKATA

Dhiraj Kumar Pathak

& Durga Devi Pathak

Sudhakar Reddy Palle

& Vijaya Lakshmi Palle

Rameshbabu M
& Sabitha M

Gopinath Kondoju
& Gayathri Kondoju

Sujana Jayam
& S Chandrasekhar Jayam

Businessman (H) & Homemaker (W)

DOJ: 13/11/2000 | GUWAHATI

Businessman (H) & Homemaker (W)

DOJ: 19/02/2009 | GADWAL

Ex Teacher (H) & Homemaker (W)

DOJ: 17/11/2009 | GADWAL

Gold Smith (H) & Homemaker (W)

DOJ: 15/06/2009 | WANAPARTHY

Homemaker (W) & Businessman (H)

DOJ: 13/10/2010 | KALYAN DURG

RECOGNITION

GOLD PRODUCER
A Gold Producer has attained three qualifying months at the Silver Producer level as defined in the Amway Business Manual.

Noor Mohammad & Hasina Begam

Mishra, Ashish & Lajwanti
Ranjan, Kumar Samay
Borgohain, Snigdha & Jadav
Das, Tridip & Bandana
Rahaman, Habibur & Begum, Sam Sunehar
Mallick, Mamata
Mohapatra, Sunil Kumar
Pradhan, Sanjukta Rani & Mohanty, Subash Chandra
B, Shankar
Gope, Subrata & Debabrata
Singh, Meenu & Jeetendra
Sahu, Hareram & Basanti Rani
Tripathi, Neelam & Sachidanand
AMAGRAM November - December 2013

Bhiwadi
Lucknow
Gadia
Simalguri
Bijoynagar
Birbhum
Soro
Kolkata
Nabarangpur
Jamshedpur
Narshinghar
Jamshedpur
Karanjia
Allahabad

Singh, Udham Kumar & Prema

Clair, Sharanjiv Kumar & Kaur, Loveleena
Bindra, Molly
Savita, Mahek & Sandeep
Varshney, Shilpi & Anupam
Atri, Sheela & Dev, Sukh
Lahoty, Rohit
Hsu, Li Jen
A, Valar Mathi
G, Subramanian & V, Uma
Meda, Eshwar
R, Leelavathi & G, Ponniam
Patel, Nikita Subhashbhai & Subhash
Godase, Ganesh Narayan

Jaunpur
New Delhi
Dehradun
Gurgaon
Gurgaon
Bilaspur
Faridabad
Gurgaon
Perundurai
Vellore
Challakere
Hosur
Killa Pardi
Mumbai

11

RECOGNITION

GOLD PRODUCER
A Gold Producer has attained three qualifying months at the Silver Producer level as defined in the Amway Business Manual.

Mangaroliya, Hasmukhbhai K
Sutaria, Paresh B
Patel, Heminaben Manojkumar & Manojkumar R
Chavda, Tejpal Abhesinh & Pravina T
Parikh, Sonal & Hiren
J Shenbaga Sundari & P Rajesh
Shah, Sanket Punamchand & Sweety Sanket
Goyal, Inder Singh & Chandani
Bhondwe, Saraswati Limbraj & Limbraj Suryabhan
Khomne, Usha Narayan & Narayan Devrao
Mandal, Swati
Debnath, Bijesh & Pranati
Das, Shambhu
Payra, Shakti Pada & Piyali
Mishra, Nrushingha Charan & Subhadra
Khan, Nayajuddin & Diner
Kar, Saumen & Ajanta

RECOGNITION

Ankaleshwar
Babra
Surat
Bardoli
Bhavnagar
Surat
Ahmedabad
Ujjain
Beed
Beed
Kolkata
Karimpur
Howrah
Midnapore
Bhadrak
Purulia
Midnapore

Kumar, Deepak
Bamal, Babita
Sharma, Simmi & Kumar, Ajay
Pandey, Parshuram & Sunita
Tiwari, Anurag & Bikash
K, Jeevitha & G, Jeganathan
N, Bhuvaneswari & L, Natarajan
Balamoni, Ravikumar & Udaya
Rao B, Jaideep & Koppal V, Ranjini
Kumar, Nita
Mishra, Praveen & Ramesh K
Rokade, Arti Vinod
Deshmukh, Savita Sudhakar & Sudhakar Tryambakrao
Patel, Satish J & Hetal
Soneshwary, Pradeep & Nishi
V, Karunakaran & B, Sarojini
Karu, Ramarao & Danteswari

Sonepat
New Delhi
Ambala City
Dharuhera
Dharampur
Chennai
Vellore
Hyderabad
Udupi
Pune
Panna
Nagpur
Beed
Morbi
Rajnandgaon
Tirunelveli
Vizianagaram

SILVER PRODUCER
A Silver Producer has attained a qualifying month at 21% as defined in the Amway Business Manual

Dubey, Ruchi & Sanjeev

Neeta
Tiwari, Kamna
Pattanaik, Dusmanta
Kumar, Vijay
Nemu, Tusar Kanti & Debika
Dhar, Shyamal Krishna
Hawaibam, Ratna Kumar & Basanti Devi
Panja, Bisarjan & Sweta
Rajbhar, Bishwakarma & Lakkhi
Singh, Mukesh Kumar & Kiran
Imlimenla
Sahu, Sambhu Prasad & Kamalini
Parida, Shantilata & Birendra Kumar
Saha, Krishna Gopal & Rupa
Irengbam, Sabitri Devi & Moirangthem, Dara Singh
Bhattacharyya, Biswajit & Pampa
Reuben Lalrintluanga, Chawngthu & Lalrodingi, Chhangte
Jamir, Imkongkumzuk & Watinaro
Mohanty, Pushpaja
Gupta, Nishant & Monika
Kashyap, Sandeep Kumari & Bhupender
Sandha, Parmjeet Singh & Kulvinder Kaur
Khuntia, Prasanjit Prasad & Prabhakar
Gujral, Anita & Ravi Kumar
Handa, Vinay & Vikram
Srivastava, Ragini & Narain, Ashutosh
Sharma, Vandana
Kumar, Ravinder & Manoj
Kapila, Mukta & Vineet
Upadhyay, Satyabhama & P K
Negi, Roopa
Arora, Vandana & Sajiv
Sabita
Gupta, Abhitabh
Vijay, Sandeep
He, Guangxian & Cai, Zemin
Panigrahi, Chittaranjan & Swarnaprava
A, Suyambulingam & S, Jayaselvi
Acharya, K Gururaja & H M, Hemalatha
Gujjari, Prasanna & Vinod Kumar
U, Sandhyarani & Srinivas
R, Meera & N, Rajagopal
Neelamurthy, & H, Anandamurthy
Pechiammal, S & Sankaran, P
Kale, Sachin Popatrao
Naik, Yogesh & Yukta
Buddhdev, Sangita Bhavesh & Bhavesh Dhanvantrai
Kumar, Santosh & Susan Santosh
Mishra, Basant Tirthraj & Kanchan Basant
Bairagi, Kishor Baidhyanath & Tanuja Kishor
Pramanik, Mahadeb Nandadulal & Dolly
Shah, Bina Manish & Manish Anantrai

12

Etawah
Dhanbad
Gorakhpur
Bhubaneswar
Sirsa
Hooghly
Kailashahar
Imphal
Ghatal
Kolkata
Kolkata
Kohima
Bolangir
Bhadrak
Birbhum
Imphal
Burdwan
Aizawl
Kohima
Bhubaneswar
Ghaziabad
Chamba
Bathinda
Chandigarh
Allahabad
Karnal
Varanasi
Pathankot
Kosli
Gurgaon
Varanasi
Jodhpur
Allahabad
Gurgaon
New Delhi
Jaipur
Gurgaon
Bangalore
Chennai
Udupi
Hyderabad
Visakhapatnam
Chennai
Bangalore
Nannagaram Melagar
Ahmednagar
Mumbai
Vadodara
Pimpri
Navi Mumbai
Pakhanjur
Mumbai
Mumbai

Parekh, Deepak B & Hiral D

Chavan, Jayawant Vittal & Kalpana
Rethe, Pooja Vijay
Patel, Subhashbhai S & Sharmistaben S
Naik, Mrs Sushila & S.P
Rathod, Shakuntala R & Rajendrasinh
Shah, Rupa Bhadresh & Bhadresh S
Sawarkar, Madhuri Mahesh
Dongare, Sandhya & Sunil
Padwal, Jyoti
Shetty, Vijayalaxmi & Ganesh
Patel, Reva Dalpat & Dalpatkumar K
Poddar, Sushil Kumar
Pati, Kalyani & Chanchal
Dutta Gupta, Mitali & Rajib
Bala, Priti
M, Periasamy & P, Ambika
Routh, Soma & Kajal Chandra
Kumar, Ramesh & Kumari, Poornima
Thingujam, Umesh Singh & Tokpam, Dhanapriyari Devi
Kumar, Yogesh
Behera, Bhikari Charana & Sujata
Dutta, Jayanta
Bharol, Subhash & Baboo Ram
Bhati, Paras Mal & Ghanchi, Bagasu Devi
Yadav, Desh Raj & Pushpa
Puri, Kanchan & Ashawani
Gupta, Vikas
Bishnoi, Sunita & Vijay Singh
Kumar, Sudhish & Kamboj, Shashi
Arya, Brahma Nand
Kumar, Vijender & Suresh
Jaswal, Vijay Kumar & Jaswl, Jyoti
Yadav, Rajni & Sudesh Kumar
Pradhan, Sagarika & Jena, B
J, Reshma & J K, Jalaludeen
K, Venkatesan
M, Praveen Kumar
Shetty, Shailini
G, Sivasankari & S, Ganesan
Sayyad, Shakil Husan & Gulanaj
Kulthe, Vijay Ramesh & Monali
Borvadkar, Shalini & Desai, Vanita
Hakke, Namrata Sukhadev & Sukhaddev Dadu
Kamlapure, Hrishikesh
Patel, Usha
Patel, Dipika & Viral
Shah, Sunil & Rakesha
Bhagat, Neelam Sadanand & Sadanand Babanrao
Sirvi, Badree Lal & Parvati Bai
A, Balasubramania Patta
G Kumar

Godhra
Shirur
Pune
Bodeli
Raipur
Talod
Ahmedabad
Nagpur
Khargone
Godhra
Pune
Ahmedabad
Kolkata
Midnapore
Kolkata
Jamshedpur
Srivilliputhur
Bankura
Patna
Imphal
Patna
Berhampur
Kolkata
Bilaspur
Balotra
Gurgaon
New Delhi
Lucknow
Gurgaon
Kashipur
Biharipur
Delhi
Pathankot
Mandi Gobindgarh
New Delhi
Bangalore
Chennai
Bangalore
Mangalore
Tirunelveli
Ahmednagar
Ahmednagar
Navi Mumbai
Savalaj
Amravati
Rajnandgaon
Gambhoi
Vadodara
Pune
Badnawar
Sankarankoil
Tirupati

AMAGRAM November - December 2013

Promotion Starting from : 5th November 2013

There is no cost of joining

the Amway Business.
A high potential business opportunity empowers you to build
successful business...
NOW COMES WITH NO STARTING COST.

To join this unique business opportunity:

Get sponsored by an already existing Amway Business Owner.
Submit duly filled application form along with photo identification
proof & address proof to the nearest Amway office.
This unique business opportunity is backed by world class products

To
which are covered under 100% Money Back Guarantee.
continue in
business, you
Joining the Amway Business is just a click away....
should do cumulative
50 personal PV within
Log on for web joining
Log on from mobile
60 days of joining.
www.amway.in

www.amway.in/m

Promotion Starts from : 5th Nov. 2013

Promotion Starts : 11th Nov. 2013

Buy products worth 100 PV* in a single

invoice within 30 days of joining & get
Nutrilite Protein 200g just for Re. 1/-

Buy products worth 100 PV* in a single

invoice within 60 days of joining & get

Discount of Rs.1000/- on the order value.

* Oer 1 is valid within 30 days of joining. Oer 2 is valid within 60 days of joining.
* Only one oer will be allowed with one invoice. To avail Oer 2, ABO must avail Oer 1 rst.
For further information contact your nearest Amway oce or visit at www.amway.in
*Terms & Conditions Apply

Plain Speak

Validation of
Qualifications

Amway Business is the business based on rewarding eorts of hard work i.e. focusing on retailing Amway products,
personal usage and getting new people started in this wonderful business opportunity.
As people grow in the business they attain various qualication levels based on their individual as well as group
turnover. As you enter the new business year and a new phase in the growth of your business, we would like to share
with you some of the Key indicators that Amway India uses to create a picture of your business as it grows. These
Key indicators help us ensure that growth in Business is natural, consistent and sustainable in the long run and
qualications are achieved in an ethical manner: a procedure to verify all qualications is followed right from Silver
Producer Level. We have a Qualication Validation Group (QVG) which works tirelessly to ensure that qualications
are achieved as per the laid down norms.
Qualications are reviewed on various parameters that ensure a steady and continuous business growth which would
be sustainable for a long time to come and brings protability to the ABOs. While parameters may vary with each
individual qualication, here are some of the things we will be reviewing:

Unusually High Personal PV by qualier or some downlines and/or uctuation of PVs per ABO.

Past business history and purchase pattern of the group

Number of ordering ABOs in the group

Unusually high purchase of certain products

Group Size

Financial transactions with Amway India (Accounts Receivable, credit card situations etc.)
Apart from the parameters mentioned above, QVG may use other parameters on a case specic basis.
There may be instances during the scal year when we will need clarication from you on some of these points. For
example, we may need to see the customer receipts that verify compliance of retailing of products to customers. So be
sure to keep good sales records by retaining customer receipt.
The purpose behind any request that we make is to support you in your business and help establish good solid business
building practices in accordance with the Amway Rules of Conduct and Code of Ethics. Our partnership can help ensure
that future qualication processes are smooth and quick.
So go ahead...focus on your goals....build your business and reach whatever goals you have set out for yourself keeping
the above in mind....
If you need more information on the above write to Archna Reuben at Amway India Enterprises Pvt. Ltd,
Plot No 84, Sector -32, Gurgaon - 122001 (Haryana) OR Email: plain_speak@amway.com

32

AMAGRAM November - December 2013

With a strong emphasis on service and giving

back to society, AOF renewed its partnership with
Mahavir International, and organized a Free Eye and Health
Checkup Camp for the underprivileged section of the society at
Laxmi Nagar, Delhi. Over 600 patients were benefitted as eminent doctors from Mahavir International and Kalra Hospital
examined them.
A donation cheque of Rs.2.24 Lakhs was handed over by AOF to
Mahavir International in the presence of chief guest, Dr. Ashok
Walia, Honble Minister of Health & Family Welfare, Delhi Government.

AOF DAY celebrations continued to take place

with Sunrise partners.
In Delhi, children of Sunrise partner, Deepalaya were taken out
for a fun-filled event at New Friends Colony market.
In Vadodra, children of Sunrise partner, Arpan Charitable Trust,
were taken for a picnic at Sewasi.
In Bhopal, a health check-up facility was extended to 300 children, at Sewa Vidya Mandir, Govind Pura.
In Salem, an Environment Awareness Camp was organized for
children of Sunrise partner, Nesackkarangal, where 45 kids,
above the age of 13 were taken to ABS Botanical Garden.

Helen Keller Day celebrations continued to take

place with AOF project partners.
In Madurai, Narendrapur & Patna, AOF in association with Indian
Association for the Blind (IAB), Ramakrishna Mission and Anterjyoti Netraheen Balika Vidyalaya organized an interschool competition respectively. The competition included computer proficiency tests, Quiz, Essay & Oratorical competition on the life of
Helen Keller.
In Trivandrum, AOF sponsored the premium of a group insurance policy, covering 700 people with disabilities