1. One-to-one meetings (121s) are an effective tool for BNI members to develop confidence in referring business to each other, which results in increased referrals and business for both members through a better understanding of each other's businesses. 2. Members should set targets each month for giving and getting referrals from 121s, work on following up on received referrals, and schedule additional 121s to build trust and receive referrals. 3. Effective 121s involve asking the right questions about clients, services, referral sources, unique selling propositions, and potential referrals, and introducing relevant contacts to each other.