root@admin:~# cat N | sed 's/\(.\+\)\,\(.\+\)/\|\|/g'
select emp_name,
emp_id,
loc
from emp_join ,
emp_loc
where emp_join.id = emp_loc.id
and join_date > to_date('2015-01-01'||'YYYY-MM-DD')
UNION
select emp_name,
emp_id,
loc
from emp_term,
emp_loc
where emp_term.id = emp_loc.id
and term_date = to_date('2015-01-01'||'YYYY-MM-DD');