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Smartkeeda presents
Full-Length Current Affairs MockDrill Series

October 2024
Daily CA PDF 24
(PDF in English)

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INDEX
National & States Affairs ………………………………………………………………………………………... 5
Banking, Finance, Insurance & Economic Affairs ……………………………………………………... 6
Persons in News …………….……………………………………………………………………………………... 8
Science & Technology …………………………………………………………………………………………... 8
Appointments & Resignations ……………………………………………………………………..……….… 9
Awards, Rewards, Recognition & Prizes ……………………………………………………………..…... 9
Meetings, Conferences and Summits ……………………………………………………………………... 10
Ranks, Reports & Surveys …………………………………………………………………………………….. 10
Amount & Agreements ………………………………………………………………………………………….. 11
MoUs, Collaborations & Partnerships ……..……………………………………………………………... 12

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National & States Affairs
1. Ahmedabad University has launched the “Climate Institute” to address the challenge of
climate change and environmental degradation in the Global South, focusing on 3 key aspects
of research, education and impact. The Institute is developing India’s 1st comprehensive Climate,
Energy, and Environmental education programme, preparing future leaders to tackle global
climate issues. The Institute operates across 3 verticals: ‘Energy and Climate Change’, ‘Cities and
Settlements’, and ‘Air and Water’. The Climate Institute will serve as a platform for global
research collaboration, hosting partnerships with universities from America, Europe, and Asia. Notable collaborations
include the University of Chicago setting up an Energy Policy Institute at the Institute also aims to drive impact by fostering
climate-tech startups in partnership with Social Alpha. It will also work closely with Central and State governments while
contributing to international reports from the IPCC and the United Nations. The Institute is founded under the leadership of
Dr Balaji Srinivasan as the Founding Executive Director and Professor Minal Pathak as the Academic Director. The initial key
research areas are led by Professor Pathak for the ‘Cities and Settlements’ vertical, Professor Anant Sudarshan for ‘Energy
and Climate Change’, and Professor Aditya Vaishya for ‘Air and Water’. Ahmedabad University was recently awarded the
‘Indian Green Building Council (IGBC) Platinum Rating’ for its sustainable campus and has been recognised in the ‘Times
Higher Education (THE) Impact Rankings’ for its leadership in climate action. The University’s ‘Arboretum’ project, initiated
in 2018, has grown into a thriving mini-urban forest with more than 1,500 trees, contributing to the city’s vital ‘green lungs.’
{Read more}
Smart Points:
• Ahmedabad University – launched “Climate Institute” to address challenge of climate change & environmental
degradation in Global South
• It is developing India’s 1st comprehensive Climate, Energy & Environmental education programme
• This Institute operates across 3 verticals – ‘Energy & Climate Change’, ‘Cities & Settlements’, and ‘Air & Water’
• Ahmedabad University + University of Chicago = to collaborate to set up an Energy Policy Institute
- Founding Executive Director – Dr Balaji Srinivasan | Academic Director – Professor Minal Pathak
• Initial key research areas are led by:
- Professor Pathak – for ‘Cities & Settlements’ | Professor Anant Sudarshan – for ‘Energy & Climate Change’
- Professor Aditya Vaishya – for ‘Air & Water’
• Ahmedabad University: Awarded ‘Indian Green Building Council (IGBC) Platinum Rating’ – for its sustainable campus
- Recognised in ‘Times Higher Education (THE) Impact Rankings’ – for its leadership in climate action
• Its ‘Arboretum’ project – grown into a thriving mini-urban forest with 1,500+ trees | Initiated in – 2018
• Location of Ahmedabad University – Ahmedabad, Gujarat | Chancellor & CMD – Sanjay Lalbhai

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Banking, Finance, Insurance & Economic Affairs
2. Electronic Payment and Services (EPS) has become the 5th company to receive a license to operate
white-label ATMs (WLAs) in semi-urban and rural regions of India, marking the 1st such approval in a
decade. The company plans to deploy 9,000 WLAs nationwide within 3 years under the brand name ‘EPS
Bancs’. Currently, there are 5 WLA operators in India: (i) EPS, (ii) India1 Payments, (iii) Hitachi Payment
Services, (iv) Tata Communications Payment Solutions, and (v) Vakrangee. The WLAs are set up, owned, and operated by
non-bank entities and authorized by the Reserve Bank of India (RBI) to improve ATM access in underserved regions.
Customers using WLAs have a similar experience to using bank-owned ATMs, with the ability to perform transactions like
cash withdrawals, balance inquiries, and PIN changes. Banks pay WLA operators a fee for these transactions, similar to the
fees they pay when customers use other banks’ ATMs. {Read more}
Smart Points:
• EPS – became 5th company to receive license to operate white-label ATMs (WLAs) in semi-urban & rural regions of India
- 1st such approval in a decade | It will deploy 9,000 WLAs within 3 years under brand name ‘EPS Bancs’
• Currently, there are 5 WLA operators in India – EPS, India1 Payments, Hitachi Payment Services
- Tata Communications Payment Solutions & Vakrangee
• WLAs – set up, owned & operated by non-bank entities | Authorized by – RBI to improve ATM access in underserved
regions
• HQs of EPS – Mumbai, Maharashtra | Chairman & MD – Mani Mamallan

3. Sohan Lal Commodity Management (SLCM), India’s largest post-harvest logistics and agri-solutions company, has
announced a strategic partnership with Punjab National Bank (PNB) and Bandhan Bank to provide ‘Unified Collateral
Management Solutions,’ aimed at facilitating post-harvest credit for farmers and agricultural stakeholders at competitive
rates across the country. Under this partnership, SLCM will utilise its proprietary technology, ‘Agri Reach,’ to enhance the
efficiency of post-harvest credit and storage services for both banks. The ‘Agri Reach’ platform is recognised for reducing
post-harvest losses from 10% to just 0.5%, as per a report by the FICCI. {Read more}
Smart Points:
• SLCM + PNB + Bandhan Bank = to provide ‘Unified Collateral Management Solutions’
• Aim: To facilitate post-harvest credit for farmers & agricultural stakeholders at competitive rates across country
• SLCM – to utilise ‘Agri Reach’ technology to enhance efficiency of post-harvest credit & storage services for both banks
• ‘Agri Reach’ platform – recognised for reducing post-harvest losses from 10% to 0.5%, as per a report by FICCI
• HQs of SLCM – New Delhi | Group CEO – Sandeep Sabharwal
• HQs of PNB – New Delhi | MD & CEO – Atul Kumar Goel | Tagline – “The Name You Can Bank Upon”
• HQs of Bandhan Bank – Kolkata, WB | MD & CEO – Partha Pratim Sengupta | Tagline – “Aapka Bhala, Sabki Bhalai”

4. Google has announced a partnership with Aditya Birla Finance, and Muthoot Finance, to offer
personal loans and gold-backed loans, respectively, during the 10th edition of its flagship ‘Google
for India’ event. This collaboration aims to improve access to credit and provide loans starting at
Rs 10,000 ($120) to support the financial needs of individuals and merchants in India. A report
published by HSBC highlighted that approximately 1 billion individuals in India invest around Rs 1 lakh crore each year on
gold imports, which is more than 20% of the worldwide mine production. {Read more}

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Smart Points:
• 10th edition of ‘Google for India’ event
• Google + Aditya Birla Finance = partnered to offer personal loans
• Google + Muthoot Finance = partnered to offer gold-backed loans
• Aim: To improve access to credit & provide loans to support financial needs of individuals & merchants in India
- Loans starting at – Rs 10,000
• As per a report by HSBC, 1 billion individuals in India invest Rs 1 lakh Cr each year on gold imports
- More than 20% of worldwide mine production
• HQs of Google – California, US | CEO – Sundar Pichai | Founded in – 1998
• HQs of Aditya Birla Finance – Mumbai, Maharashtra | MD & CEO – Rakesh Singh
• HQs of Muthoot Finance – Kochi, Kerala | Chairman – George Jacob Muthoot | Founded in – 1997

5. Life Insurance Corporation (LIC) has reduced the first-year agent commission from 35% to
28%. These changes follow new surrender value norms issued by the Insurance Regulatory and
Development Authority of India (IRDAI), effective October 1, aimed at enhancing payouts to
policyholders who exit early. The new special surrender value norms under the IRDAI guidelines
mean that policyholders who exit prematurely after paying only the first-year premium will
receive a small payout, unlike the previous norm where exiting early meant forfeiting the entire premium. {Read more}
Smart Points:
• LIC – reduced first-year agent commission from 35% to 28%, following new surrender value norms issued by IRDAI
• New norms – policyholders who exit prematurely after paying only first-year premium will receive a small payout
• HQs of LIC – Mumbai | Chairman – Siddhartha Mohanty | Founded in – 1956 | Tagline – ‘Yogakshemam Vahamyaham’
4 MDs of LIC – R. Doraiswamy, Sat Pal Bhanoo, Tablesh Pandey & M. Jagannath

6. India Exim Finserve IFSC Pvt Ltd, a wholly owned subsidiary of Export-Import Bank of India
(India Exim Bank), has partnered with Singapore-based VoloFin, to provide receivables finance
solutions for Indian exporters. This partnership will support the SME exporters, who play a key
role in the economic growth of the country, and it also aims to address critical trade finance gaps
and enable incremental open account trade between India and its trade partners. New India Assurance is the credit
insurance partner, with reinsurance support from Atradius (one of the world’s largest credit insurers) and leads the initiative
with the first bank policy from GIFT City. {Read more}
Smart Points:
• India Exim Finserve + VoloFin = partnered to provide receivables finance solutions for Indian exporters
• Aim: To address critical trade finance gaps & enable incremental open account trade between India & its trade partners
• New India Assurance – credit insurance partner & leads initiative with first bank policy from GIFT City
- Reinsurance support from – Atradius
• HQs of India Exim Finserve – Gandhinagar, Gujarat | MD & CEO – Hirva Mamtora
• HQs of VoloFin – Singapore | Co-Founder & CEO – Roshan Shah

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Persons in News
7. Nima Rinji Sherpa, 18-year-old Nepalese mountaineer, has set a new record becoming the
youngest climber to conquer all 14 of the highest peaks on Earth. With this accomplishment,
he joined an elite group of mountaineers who have successfully climbed all 14 of the world’s
“eight-thousanders,” or mountains recognised by the International Mountaineering and
Climbing Federation (UIAA) for being more than 8,000 meters above sea level. Rinji, who
embarked on his high-altitude climbing career at 16, managed to accomplish this feat in just
740 days. On June 16, 2024, Rinji Sherpa raised the flag of the Mumbai Indians, an IPL team, atop the third-highest peak in
the world. Previously, Mingma Gyabu “David” Sherpa submitted all 14 mountains by the age of 30 in 2019, according to
Guinness World Records. The 14 highest peaks are Mount Manaslu (8,163 m), Mount Everest (8,848.86 m), Mount Lhotse
(8,516 m), Mount Nanga Parbat (8,126 m), Mount Gasherbrum I (8,068 m), Mount Gasherbrum II (8,035 m), Mount Broad
Peak (8,047 m), Mount Cho-Oyu (8,188 m), Mount Dhaulagiri (8,167 m), Mount Annapurna (8,091 m), Mount Makalu (8,485
m), Mount Kanchenjunga (8,586 m), and Mount Shishapangma (8,027 m). All 14 eight-thousanders are located in Asia, in
the Himalayan and Karakoram ranges. {Read more}
Smart Points:
• Nima Rinji Sherpa (18 yr-Nepal) – set new record becoming youngest climber to conquer all 14 of highest peaks on Earth
- He accomplish this feat in – 740 days
• These 14 mountains are recognised by – International Mountaineering & Climbing Federation for having 8,000 m+ height
• Rinji Sherpa raised flag of Mumbai Indians atop 3rd-highest peak in world on Jun 16, 2024
• Previous record – Mingma Gyabu “David” Sherpa by age of 30 in 2019, according to Guinness World Records
• 14 highest peaks – Mount Manaslu (8,163 m), Mount Everest (8,848.86 m), Mount Lhotse (8,516 m)
- Mount Nanga Parbat (8,126 m), Mount Gasherbrum I (8,068 m), Mount Gasherbrum II (8,035 m)
- Mount Broad Peak (8,047 m), Mount Cho-Oyu (8,188 m), Mount Dhaulagiri (8,167 m), Mount Annapurna (8,091 m)
- Mount Makalu (8,485 m), Mount Kanchenjunga (8,586 m) & Mount Shishapangma (8,027 m)
• All 14 eight-thousanders are located in – Asia, in Himalayan & Karakoram ranges

Science & Technology


8. The Union Cabinet has approved establishment of Rs 1,000 crore Venture Capital Fund (VCF) for Space Sector under aegis
of Indian National Space Promotion and Authorization Centre (IN-SPACe), an autonomous body under the Department of
Space. The fund will be professionally run and will select approximately 40 firms on the basis of commercialization potential.
The fund will deploy the amount earmarked for it over a period of 5 years, with a planned deployment of Rs 150 crore in
the 2025-26 financial year, followed Rs 250 crore each in the next 3 financial years and Rs 100 crore in 2029-30. The fund
will focus on early-stage investments, and will bank on firms to be able to raise further private equity investments. However,
even late-stage firms will receive investments ranging from Rs 30 crore to Rs 60 crore. Firms in the early stage will receive
half that range. India aims to increase the estimated value of the domestic “space economy” from the current $8.4 billion
to $44 billion by 2033. {Read more}
Smart Points:
• Cabinet approved establishment of Rs 1,000 crore Venture Capital Fund (VCF) for Space Sector under aegis of IN-SPACe
• This fund will select approx 40 firms on the basis of commercialization potential

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• This fund will deploy amount earmarked for it over 5 years:
- Rs 150 Cr – in FY26 | Rs 250 Cr – each in next 3 FYs | Rs 100 Cr – in FY30
• Late-stage firms – will receive investments ranging from Rs 30-60 Cr | First in early stage – nearly half
• India aims to increase estimated value of domestic “space economy” to $44 billion by 2033 (from $8.4 billion currently)

Appointments & Resignations


9. The International Crops Research Institute for the Semi-Arid Tropics (ICRISAT) has appointed
Himanshu Pathak as the Director General Designate of the institute. Pathak, who currently serves as
Union Secretary of the Department of Agricultural Research and Education (DARE) and Director
General of the Indian Council of Agricultural Research (ICAR), will assume his role next year. He will
succeed Jacqueline Hughes to become the first Indian to head the 52-year-old institute located at Patancheru near
Hyderabad. He will be the second Indian to head a Consortium of International Agricultural Research Centres (CGIAR)
institute after M S Swaminathan, who led the Philippines-based International Rice Research Institute (IRRI). {Read more}
Smart Points:
• Himanshu Pathak – 1st Indian to be appointed as Director General Designate of ICRISAT (succeeding - Jacqueline Hughes)
• He is currently serving as – Union Secretary of DARE & DG of ICAR
• He will be 2nd Indian to head a CGIAR institute | 1st – M S Swaminathan, led IRRI (Philippines)
• Location of ICRISAT – Hyderabad, Telangana | DG – Jacqueline Hughes (Himanshu Pathak from 2025)

Awards, Rewards, Recognition & Prizes


10. Air India has won the “Asia’s Leading Airline Inflight Entertainment 2024” at the World Travel
Awards (WTA) ceremony held in Manila, becoming the first Indian airline to receive this
prestigious honor. The award acknowledges the airline’s extensive Inflight Entertainment (IFE)
system, which is already available on its Airbus A350 aircraft operating between Delhi and
Heathrow. Often referred to as the “Oscars of the travel industry,” the World Travel Awards are
a benchmark for excellence in the global travel and tourism sectors. Now in its 31st year, the awards celebrate the best
performers across various categories. {Read more}
Smart Points:
• Air India – became 1st Indian airline to won “Asia’s Leading Airline Inflight Entertainment 2024”
- At – World Travel Awards (WTA) ceremony, in Manila | WTA – aka “Oscars of the travel industry”
• HQs of Air India – New Delhi | MD & CEO – Campbell Wilson (subsidiary of Tata Group)

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Meetings, Conferences and Summits
11. The 23rd Meeting of the Shanghai Cooperation Organisation (SCO) Council of Heads of Government (CHG) was held in
Islamabad, Pakistan. External Affairs Minister S. Jaishankar led the Indian delegation at the summit. The meeting was chaired
by Pakistani Prime Minister Shehbaz Sharif. S Jaishankar signed 8 outcome documents during the summit. The summit
focused on regional security, trade, economic collaboration, and the fight against terrorism. The SCO CHG will be hosted by
Russia in 2025. {Read more}
Smart Points:
• 23rd Meeting of SCO Council of Heads of Government (CHG) – held in Islamabad, Pakistan
• Indian delegation led by – S. Jaishankar, External Affairs Minister | Chaired by – Shehbaz Sharif, Pakistani PM
• During summit, 8 outcome documents – signed by S. Jaishankar | SCO CHG – to be hosted by Russia in 2025
• HQs of SCO – Beijing, China | SG – Zhang Ming | Present Member Countries – 10

Ranks, Reports & Surveys


12. Union Minister for Fisheries, Animal Husbandry, and Dairying, Rajiv Ranjan Singh, has launched 21st Livestock Census, to
be conducted during October 2024 to February 2025 at a cost of Rs 200 crore. The cost will be entirely funded by the central
government. The census will capture data on 219 indigenous breeds of 16 species. The census will collect data on 15 species
of livestock - Cattle, Buffalo, Mithun, Yak, Sheep, Goat, Pig, Camel, Horse, Ponies, Mule, Donkey, Dog, Rabbit and Elephant.
These species are recognised by ICAR-National Bureau of Animal Genetic Resources (NBAGR). The livestock census is a crucial
exercise that has been conducted every 5 years since 1919. Till date, 20 livestock censuses have been conducted and the
last census was held in 2019. Moreover, the minister also launched a $25 million ‘Pandemic Fund Project’ to strengthen
animal health security in India for pandemic preparedness and response. {Read more}
Smart Points:
• Rajiv Ranjan Singh – launched 21st Livestock Census, to be conducted during Oct 2024 to Feb 2025
- Cost – Rs 200 Cr | Funded by – central government | Conducted – every 5 years since 1919
- Till now, 20 livestock censuses conducted | Last census – in 2019
• It will capture data on – 219 indigenous breeds of 16 species
• 15 species of livestock – Cattle, Buffalo, Mithun, Yak, Sheep, Goat, Pig, Camel, Horse, Ponies, Mule, Donkey, Dog, Rabbit
& Elephant
- Recognised by – ICAR-National Bureau of Animal Genetic Resources (NBAGR)
• ‘Pandemic Fund Project’ – launched to strengthen animal health security in India for pandemic preparedness & response
- Outlay – $25 million
• Minister of Fisheries, Animal Husbandry & Dairying: Rajiv Ranjan Singh (Lalan Singh) | Constituency – Munger, Bihar
MoS in Ministry of Fisheries, Animal Husbandry & Dairying: S. P. Singh Baghel & George Kurian

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Amount & Agreements
13. The World Health Organization (WHO) has secured $1 billion in pledges for its next
budget, spanning 2025-28. Nearly $700 million of this was made in terms of new funding
commitments from various European countries, foundations, and organisations. Meanwhile,
$300 million was made up from reaffirmed funding commitments. The funding was
announced during the ‘WHO Investment Round Signature Event’, held at the World Health
Summit in Berlin, co-hosted by Germany, France, and Norway. Key contributors to WHO’s funding included Germany,
committing nearly $400 million over 4 years, with $260 million in new voluntary funding. Wellcome, a UK-based charitable
foundation, pledged $50 million, while the Institute for Philanthropy, Resolve to Save Lives, and the World Diabetes
Foundation committed $10 million each. The WHO Foundation also made a significant pledge of $50 million, drawing on
support from the private sector. Additionally, India, the 6th largest global contributor of core funding to the WHO, has now
committed to give more than $300 million for the WHO’s core programme of work from 2025 to 2028. The biggest chunk of
$250 million will be spent on the ‘WHO Centre of Excellence for Traditional Medicine’. India has committed the largest
amount of funds so far in Southeast Asia. Apart from the traditional medicine centre, $38 million is being given for new
premises for WHO’s regional office, $10 million for digital health, and $4.6 million for thematic funding. {Read more}
Smart Points:
• WHO – secured $1 billion in pledges for its next budget, spanning 2025-28
- $700 mn of this – made in terms of new funding commitments from various European countries, foundations & org.
- $300 mn – made up from reaffirmed funding commitments
• Funding – announced during ‘WHO Investment Round Signature Event’
- Held at – World Health Summit in Berlin | Co-hosted by – Germany, France & Norway
• Key contributors to WHO’s funding include – Germany ($400 mn over 4 years) with $260 mn in new voluntary funding
- Wellcome (UK) – pledged $50 million
- Institute for Philanthropy, Resolve to Save Lives & World Diabetes Foundation – committed $10 million each
• WHO Foundation – also made a significant pledge of $50 million, drawing on support from private sector
• India – committed to give $300+ million for WHO’s core programme of work from 2025 to 2028
- India is 6th largest global contributor of core funding to WHO
- India committed largest amount of funds so far in Southeast Asia
• India’s funding to be spent as:
- $250 million – on ‘WHO Centre of Excellence for Traditional Medicine’ | $4.6 million – for thematic funding
- $38 million – for new premises for WHO’s regional office | $10 million – for digital health
• HQs of WHO – Geneva, Switzerland | DG – Tedros Adhanom | Member Countries – 194 | Founded in – 1948

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MoUs, Collaborations & Partnerships
14. India signed the ‘Host Country Agreement (HCA)’ with the Global Biofuels Alliance (GBA)
to officially establish the Alliance’s Secretariat in India with a combination of Indian and
international staff. The agreement was signed by Dammu Ravi, Secretary (Economic
Relations) from the Ministry of External Affairs, and Pankaj Jain, Secretary of the Ministry of
Petroleum and Natural Gas, who is currently serving as the Interim Director General of the
GBA. Additionally, the agreement grants GBA legal status, including privileges and immunities under the ‘United Nations
(Privileges and Immunities) Act of 1947’, facilitating the smooth execution of its functions while adhering to India’s laws.
The GBA was launched on September 9, 2023, during India’s G20 Presidency by the Indian Prime Minister and leaders of 8
other countries, including Argentina, Bangladesh, Brazil, Italy, Mauritius, Singapore, the UAE, and the USA. Additionally, the
GBA seeks to attract investment into biofuel production, particularly for clean cooking. Since its launch, GBA’s membership
has increased to 27 countries and 12 international organizations. {Read more}
Smart Points:
• India – signed ‘Host Country Agreement (HCA)’ with GBA to officially establish GBA’s Secretariat in India
• It grants GBA legal status, including privileges & immunities under ‘United Nations (Privileges & Immunities) Act of 1947’
• GBA – launched on Sep 9, 2023 | During – India’s G20 Presidency | Members – 27 countries & 12 international org.

15. Advanced air mobility firm, SKYBER Aerospace, has partnered with Dubai-based Sibia
Technologies to sell made-in-India unmanned aerial vehicle (UAV) products in the Middle East and
Africa (MEA) region to strengthen the regional defence systems. SKYBER will supply customised high-
performance UAV systems, while Sibia will manage local sales, service, customer relationships,
marketing efforts, and regional supply chain logistics. Additionally, during the ‘Global Rail Transport Infrastructure Exhibition
& Conference’ in Abu Dhabi, RITES Ltd, a Navratna PSU, signed an MoU with Etihad Rail, the developer and operator of the
UAE National Rail Network, to develop railways and related infrastructure services in the UAE and the broader region. The
MoU was signed by Shadi Malak, CEO of Etihad Rail, and Rahul Mithal, Chairman and Managing Director of RITES Ltd. The
partnership aims to leverage the strengths of both organisations to explore opportunities for collaboration in key areas such
as the supply or leasing of rolling stock, project management, and consultancy for railway projects. {Read more}
Smart Points:
• SKYBER Aerospace + Sibia Technologies (Dubai) = partnered to sell made-in-India UAV products in Middle East & Africa
- To strengthen regional defence systems
• SKYBER – to supply customised high-performance UAV systems | Sibia – to manage sales, supply chain logistics, etc.
• RITES Ltd + Etihad Rail = an MoU to develop railways & related infrastructure services in UAE & broader region
- During ‘Global Rail Transport Infrastructure Exhibition & Conference’ – held in Abu Dhabi
• HQs of SKYBER Aerospace – Bengaluru, Karnataka | Co-Founder and CEO – Joseph George

❖ Other Miscellaneous News & Current Static GK:


• October 24 – United Nations Day
(The day marks the anniversary of the entry into force of the UN Charter in 1945.)
• October 24 – International Day of Diplomats
• October 24-30 – UN Disarmament Week
• October 24-31 – Global Media and Information Literacy Week
• 200th Kittur Vijayotsava (Kittur Fort) – Karnataka

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A GLIMPSE OF SOME GENUINE TESTIMONIALS

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A GLIMPSE OF SOME GENUINE TESTIMONIALS

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