Muslim Commercial Bank Ltd (MCB Bank Ltd) : BUSINESS HEAD OF SINDH BALUCHISTAN NADEEM AFZAL KHAN INVOLVEMENT IN FRAUD & COVER UP WITH HIS TEAM

MCB Bank Ltd Gizri Branch Fraud Flow Chart and Responsibilities

Muslim Commercial Bank Ltd (MCB Bank ltd) Fraud Flow Chart in MCB Gizri Branch By Mr. Nadeem Afzal Khan Business Head South page 1

Faraz Ahmed Memon (Direct sales consultant ) & fraud committer

DSC Faraz Ahmed when joined MCB Bank Ltd had already lavish living style and he uses big car with Flag of Pakistan People’s Party on it to commute & bank marketing purpose. He joined MCB bank Ltd around 2009 and he was transferred into regions only two Branch’s at his own wish and pressure at bank. First he joined and worked MCB Gizri branch then Khayaban-e-Saadi later back to Gizri in the year 2010 and return back to Khayaban-e-Saadi in the year 2011.

During his stay at Khayaban-e-Saadi he never attained his financial targets along with others targets. Despite that he was never given warning letter neither job termination.

How come he was managing his lavish living expenses in just Rs.14000/- . In that amount plus commission he was maintaining his family living expenses and maintenance of his 4 children along with his wife in posh area of DHA as well as his cars.

His immediate bosses were very close friend of him including Khowaja Asad Head of external liability who made arrangement for his appointment in Bank/Ali Janjua/ Mujahid and Ex Branch Manager Mr. Aijaz Ali abbro who gave his guarantee/character clearness and his name was referred in this references. All of gang members had already resigned from bank services in last year as per pre-designed program.

Management Relationship with DSC Faraz Ahmed Memon was based on political.

He was very close friend of Mr. Abrar Hussain (Ex GM) currently working in UBL, Karachi.

He was maintaining good relationships with Shahzeb Bhutto (Ex CBBG staff)

Through Shahzeb Bhutto he controlled Regional Head COCKE-5003 Miss. Tooba Leghari. Being under influence Miss Tooba Faiz legahri forcefully/beyond official (JD) her limit transferred two staff (Mr. Shuakat Ali Khan & Shoaib Ahmed Somoroo) and she also got financial and other assistance from said DSC time to time as per audit report.

External liability Head Mr. Ali Janjua who directly report to Business Head and both were maintaining good friendship and Business head helped him in his resignation process that was pending due to his involvement with DSC Faraz as per information of audit report and gave undue favor purposely.

Through Ali Janjua he buildup strong relationship with BH and he recommended HRD to make arrangement for the permanent for DSC Faraz.

All circle authorities were well familiar with DSC Faraz Ahmed Memon and were in touch with him on daily bases.

Please investigate where and who withdrawn cash from ROM-South of Circle Office Commercial Karachi East salary accounts cheques, including MCB Khayaban-e-Saadi Branch. Why his salary is debited instantly soon after credited because senior staff are borrowing money from lower staff and in return all of advance instantly debit their cheques.

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Nadeem Afzal Khan EVP/Business Head South at MCB Bank Limited

(Business Head of Commercial Branch Banking Group) Mr. Nadeem Afzal Khan.

1. On dated 28.8.2012 meeting was conducted under BH/GM/RH/HoEL supervision, DSC was persuaded to write his confession of Fraud / embezzlement of funds by him , in that responses BH/GM/RH/HoEL with mutual consent awarded him grace time to repay fraud amount by making out of bank settlement. He concealed actual facts from bank management utilized his position/power and indirectly directed whole drama by himself.

2. BH was maintaining close direct relationship in violation of Bank Hierarchy with Mrs. Samina Memon (BM of Gizri branch) from where DSC planed conceived & executed fraud with his associates3. BH channelized his influence to process resignation of Involved Staffs Mr. Nadeem Hussain (GM of COCKE) Mr. Ali Janjua (HoEL) Mr. Shahzeb Bhutto (CBBG IT coordinator) soon after fraud was surfaced he personally monitored and directed audit team to eliminate name of upper management

Mr. Nadeem Afzal khan was also maintaining good relationship with DSC Faraz Ahmed Memon through External Liabilities Head Mr. Ali Janjua/ Shahzeb Bhutto/Mrs. Samina Memon. He beyond his capacity and official assignment excessive of his powers directly and indirectly influences/ involved in said matter and he has tried to dictate his opinion by not properly reporting it to senior management and departments.

1. Please investigate and brings this on bank record. Mr. Nadeem Afzal made necessary arrangements to process resignation of his subordinate Mr. Ali Janjua /Mr. Shahzeb Bhutto/Mrs. Samina memon on priority and made arrangement for their easy escape from bank prosecution &a justices and paid-off debit for their friendship and compromised bank interest. In this matter audit team south under GM Mustafa supervision also played vital part and provided them same inordinate support to escape soon after the fraud was surfaced. Consequently their matter and other facts/evidences were omitted/concealed from bank record &to be reported to bank top management for proper decisions after processing their resignations by awarding undue favors.

2. Business Head Nadeem Hussain directly intervened into many matters related to said fraud .soon after the fraud committed by DSC Faraz Ahmed Memon was discovered in the month of September 2012 and officially purposefully reported late to bank management and departments, said fraud was planned and executed under Mrs. Samina and BOM Mr. Usman tenor in MCB Gizri Branch by online debiting Khayaban-e-Saadi customer accounts. She was motivated by BH to resign immediately before reporting and investigation of said fraud else she would be in deep trouble. Mr. Nadeem Afzal was maintaining personal relationship with Mrs. Samina Memon and she used call him “Janu” in front of bank staff and make them pressurised/threat staff with BH Name. On two occasions she was talking to BH through her mobile phone through built in hand free speaker and Mr. Nadeem Hussain was very clearly recognisable /understandable. Why Business Head was maintaining his direct relationship with said non performing branch manager and by passing line of hierarchy in violation of bank policy.

3. simultaneously Business Head again awarded favour to Mr. Nadeem Hussain and allowed him to escape by recommending his resignation to senior management, where as I already informed to Group head of Operations/Legal/HRD/Audit and as well as to Mr. Imran Maqbool (MCB Bank Ltd President) not to accept his resignation in my whistle blow of dated 11th June 2012 and second reminding emails and letters in the month of July 2012. Mr. Nadeem Hussain failed to take any action against said fraud DSC faraz, instead awarded him grace time to pay back fraud amount out of bank settlement in what capacity in collaboration with BH . Consequently after reviewing that management is powerless culprit DSC Faraz sold his assets both immovable & movables property easily and disappeared before BM/RH/ROM/GM/BH eyes and they were handicapped or all of them were under his friendship burden.

4. Soon after fraud was detected Business head again processed another resignation of Mr. Shahzaib Bhutto (currently working at 1 Link with ex Operation Head Faisal Aijaz) a very closes associate and die heart friend and person who introduced said DSC Faraz Ahmed Memon to bank top officials and later he used same channel for his purpose .

5. During DSC Faraz deputation in MCB Bank Ltd, his police /criminal record as well as political affiliation with Pakistan people’s party as active worker and past employer confirmation was not obtained by bank officials and he was appointed by Khawaj Asad very close friend and past work buddy who personally hired and recommended for this position. In one such requirement by employer he gave the reference/guarantors MCB Bank Ltd on that time serving officer Mr. Aijaz Abro later deputed to MCB Khayaban-e-Saadi as branch manager where both very maintaining beyond official relationship afterwards and prior joining of bank. What action BM/RH/GM/ASM/BH/HRD took to safe guard bank interest and reputation.

6. Please also inquiry matter with ROM-South (Syed Hassan Tahir Naqvi) & ROM-East (Mr.Javaid Awan) of COCKE who took interview in this regard. I would ask them who made arrangements to hire said culprit DSC on permanent slot of branch Manager in MCB Bank Ltd. As per my information BH/GM recommended his permanent slot job.

7. In fraud matter committed by DSC Faraz Memon involving around USD 250,000/- pocketing/withdrawn from account of Mr. Aslam Jamot (PEP) politically affiliated with Pakistan People’s Party since 02 April 2012. As per bank record he verbally complained to Branch Manager of Khayaban-e-Saadi that his funds are not reconciling with his financial record. She suppressed the matter by informing the DSC Faraz later Faraz gave him Rs.9.6 Million cheque against such settlement and said cheque was bounced / or was bogus deposit slip. But BM/RH/ASM/GM/BH did not take matter seriously and did not took preemptive action and were failed to inform bank official according to bank policy.

Khayaban-e-Saadi operation Manager Aftab sario involved in fraud, still working for MCB Bank Ltd

Reason why person involved in USD 250,000 of account holder, still working in MCB Bank Ltd is

Khayaban-e- Saadi fraud committer Operation Manager Aftab Sario Brother is Serving Additional Deputy Commissioner deputed at Bhakar, Punjab

8. Mr. Nadeem Afzal of Mrs. Samina Memon (Ex staff and Ex Branch Manager of Gizri Branch) who was maintaining close relationship with Mr. Nadeem Afzal (BH). All debit/Credit transactions between DSC Faraz Ahmed Memon and Bank Staff Mrs. Samina Memon / Shahzeb Bhutto / Kashif (Son of Ghulam Arif account holder of Gizri Branch and PEP) were concealed/omitted from bank official record without any justification and he purposely as per direction of BH did not hold their resignations and did reported whole true information to other department of bank for accurate and proper decision before time. Copy of audit working on said staff accounts is attached for your perusal.

9. On dated 28.08.2012 said culprit DSC was summoned by Mr. Mujahid/ Ali Janjua under direction &supervision of BH /GM after verbal complain of Bank Customer for embezzlement of his funds Mr. Ghulam Arif (PEP account) they obtained confession from DSC Faraz Ahmed in said matter, and later under debit of his friendship they all awarded in consciences 15 days of annual leave to third party contractual staff and transferred him to some other MCB Branch. Why ?a. Because of this said DSC made fraud attempt at MCB Hotel Mehran, why management did not alert branches of their region not to allow said DSC entering to branches.

10. He in collaboration with other corrupt bank officials arranged me threat for life “Death” not to purse case and provide related evidences to bank management and to Chief Justice of Pakistan any case any damage to my life including to my family members, MCB Bank Ltd nominated official including president will be held responsible for that and compensation should be award according to my family members consent. Copy of complain attached to for your perusal.

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(G M Audit South, Khi)

Mr. Mustafa

1. On dated 30/11/2012 in my written statement I informed audit team that I am on mandatory leave since 28/12/2011 till 16/01/2012, but audit team purposely put my name in malafaid and shifted blame on to me for manual cheque book issuance and cash withdrawal from same during my absences. How come I am responsible for that?

2. He acted according script & prepared bogus audit report to protect the names and negligence’s of Mr. Nadeem Afzal (BH) Mr. Ali Janjua (HoEL) Nadeem Hussain (GM COCKE) Miss. Tooba FaizLeghari (RH South COCKE) Mr. Syed Hassan Tahir Naqvi (ROM south COCKE) shifted their negligence’s burden to lower powerless staff considering them escape goat.

3. In my write statement dated 30/11/2012 I informed audit team that ROM is tempering bank record and has tempered executive visit register page 25 in collaboration with his favourite BOM Aftab sario posted at Khay-e-Saadi 1451, but they omitted said instances and never issued charge sheet to ROM.

4. On two Occasion Mr. Arshad Mir (Auditor) after banking hours both abducted me &confined me at 13th Floor, MCB Tower, I.I.Chundrigar Road, Karachi against my will, and constantly bombarded me with false questions/false allegations, Arshad Mir along with Mustafa (GM Audit South) Mr. Musharraf tortured/stressed /abused me mentally & physically and put me in deep shock/trauma and obtained their desired statements.

5. I informed audit team to investigate account transaction of ROM south Mr. Syed Hassan Tahir Naqvi, as he borrowed money and take kick-back from his sub-ordinate Branch Operation Managers, said information was also omitted by audit team south..

6. As GM audit he and his team were in habit to make deals with ROM on behalf of Branch for their rating despite and pay them in cash and other modes in return. That why branches with satisfied/fair rating are having more fraud incidences that create doubt on audit inspection quality.

7. Said audit GM / his team paid many visits to Gizri Branch for preliminary report / later mir Arshad inspected whole vouchers including said questioned Fund Transfer Application (FTA) many times, But did not enquired anything from branch that why MCB Khayaban-e-Saadi Fund Transfer Application-FTA were executed from this branch without cheques, later BM saimina by under table settlement advised her and obtained her resignation on priority to deceived management and HR

8. I requested audit team to inquire all transaction of DSC faraz Ahmed memon accounts # 007401010081782 maintained at MCB Clifton Br-0074 and other account # 0228734781002053 of Khayban-e-Saadi 1451 and you can determine that DSC has transferred embezzled customer funds to bank staff/ managers and few transaction through Ex BM of Khaya-e-Saadi Mrs. Mehwish Shah cash paid to ROM/BH/ ASM/HoEL in shape of gifts/ cash transactions.

Muslim Commercial Bank ltd Fraud & embezzled funds received by following staff as well

Muslim Commercial Bank Official are regularly celebrating Dace Party, a Maifa within Bank

I have doubt on credibility / authenticity of all audit reported prepared by audit south team since their charge taking, because they are fail to report correct information to management for risk aversion on-wards in policy making and strategies developments. Please refer to my statement of dated 30th November 2012, in that I clearly mentioned and informed audit department that I am on annual leave since 26 December 2011 till 16 January, 2012 in pursuance of leave approval by controlling office. They why deliberately purposely intentionally under personalisation of matter they reported me and held me responsible for fraud during my leave days. Because audit team south were aware that audit department senior management is least interested to read carefully and do not have time to correlate evidences against accused staff. Instead they don’t not have proper mechanism to check the credibility of audit report before publishing it.

Muslim Commercial Bank Ltd Leave approval by ROM-South, in Audit Report contradiction of Fraud findings

2. Very close friend of Nadeem Hussain (GM COCKE) he assisted and designed and developed script to protect the names and negligence’s of Mr. Nadeem Afzal (BH) Mr. Ali Janjua (HoEL) Nadeem Hussain (GM COCKE) Miss. Tooba FaizLeghari (RH South COCKE) Mr. Syed Hassan Tahir Naqvi (ROM south COCKE) shifted their negligence’s burden to lower powerless staff considering them escape goat.

3. Mr. Mustafa gave approval in collaboration with Nadeem Afzal in matter of Mrs. Samina Memon (Ex staff and Ex Branch Manager of Gizri Branch) who was maintaining close relationship with Mr. Nadeem Afzal (BH). All debit/Credit transactions between DSC Faraz Ahmed Memon and Bank Staff Mrs. Samina Memon / Shahzeb Bhutto / G.M.Kashif (Son of Ghulam Arif account holder of Gizri Branch and PEP) were concealed/omitted from bank official record without any justification and he purposely as per direction of BH did not hold their resignations and did reported whole true information to other department of bank for accurate and proper decision before time.

4. Please refer to Pay order number # 3833446 of Rs. 25,200/- favoring KDA WING on account of Tooba Faiz Leghari B/10 , 4th floor, plot # FL 1/B-2, Block 7, KDA 5, Karachi .Said address pertain to RH of COCKE where she lives with her family members and said pay order was issued from Khayaban-e-Saadi branch 1451. But Auditor Arshad Mir did not properly reported about financial relationship between them. Later said pay order was cancelled by issuer branch staff, Please confirms was that pay order properly cancelled by beneficiary (KDA WING endorsement on pay order back side) in compliance of Bank operation Manual and is any charges level on officer of bank for violation if any. Proceeds of said pay order was later credited back to DSC Faraz Ahmed Memon on dated 06th August 2012 few days before his disappearance.

Pay order made on behalf of Tooba Faiz Leghari Regiona Manager south, Karachi

5. Mr. Mustafa (GM Audit South) restraint me to write in my statement about ROM south Tahir Hassan Naqvi forcefully borrowing of funds from his region BOM’s. if also reported them during my inquiry that, audit team should review the account activities of his Salary account (current/previous), you will notice soon after salary is credited instantly funds are immediately are marked restraint into system as Funds on Hold “FOH” upon his instruction or by bank staff who have cheques against such forcefully borrowing. (Matter should be inquired from Mir Mehommod Ali BOM of MCB Badar Commercial branch about Rs 25000/- and his constant lender Mr. Zahir Tanoli BM of Saira Center 1396 and from Ex Branch manager of MCB Khayaban-e-Saadi Mrs. Mehwish Shah and Mr.Shuja kiyani BM of Maryam Center 1397 under covert operation)

6. On two Occasion Mr. Arshad Mir (Auditor) summoned me upon instructions of Mr. Mustafa (GM Audit South) urgently after banking hours and forced me to turn off my mobile, both abducted me &a confined me at 13th Floor, MCB Tower, I.I.Chundrigar Road, Karachi against my will, and constantly bombarded me with false questions/false allegations, Arshad Mir along with Mustafa (GM Audit South ) Mr. Musharraf tortured/stressed /abused me mentally & physically and put me in deep shock/trauma and obtained their desired statements.

MCB Bank Ltd, Auditor Mir Arshad (Allah may crush and destroy his family and him)

MCB Bank Ltd , Criminal & Blackmailer auditor Mir Arshad.(you can see the criminal intention through his eyes)

7. On dated 30th November 2012 before compilation of second audit report , in my statement I mentioned in return of one question that what action I took being BOM of Khayaban-e-Saadi where ROM has written in his 13-01-2012 executive visit register page 25 that sales staff should not be allowed to participate in operation works. In that response I denied any interference of DSC Faraz Ahmed Memon and further informed Mr. Arshad Mir that this comments where never written before me because I carefully read and make strategies accordingly and challenged them that is written later and bank record are tempered/omitted to safe ROM-south job and negligence’s. But Mr. Mustafa and Arshad Mir in collaboration with Mr. Tahir Naqvi ROM South by channelizing his most favorite and loved BOM Mr. Aftab Sario and BM Imran Fazal Ali allowed him to temper/omitted bank record that should have been in safe custody, I am whistle blow each time about malpractice of corrupt bank officials to cover their negligence’s. Copy of statement given to audit team of dated 30th November 2012 is attached.

8. Please refer to Charge sheet by COCKE under reference no COCKE/DISP/MISC/32 dated 18th February 2012 in that charge # 1, Charge # 2 are falsely/wrongly leveled on me for collection of Withholding Tax deduction and Federal excise duty applicable on bank commission(Bank’s earning) that is collected automatically by banking application (Symbols), unfortunately same was not recovered by not properly configured/unpatched banking application and raise many doubts on its performance/accuracy/reliability and has given loss to government by not properly deducting/depositing taxes at sources on different services bank offer or WHT on cash withdrawals and on online transactions and other charges manually collected. Unfortunately Arshad Mir and audit team south did not properly reported said instances to top managements. Whereas all the taxes restraints are marked at time of account opening by centralized processing department.

9. This is very disgrace for bank to have such corrupt bank officials who are working for their own interest and do not have capacity/capabilities to report correct information to senior management, so they could make correction decision onwards. Infact this is for your information and onwards actions because I am giving u first-hand information and this can be crossed check from different fraud incidents and branch performances. During their full scope audit , audit manager /team leader/ and other audit department bosses make deal with ROM/GM to award specific rating of their regions branches in predesigned script not to affect their own performances. For this cash deals/ and other negotiation are made between them through different means by approving fake expenses to payout debit. That why number of fraud are latter reported from same branches whose ratings are artificial and obtained in negotiation. Please make full investigation in said matter I am not criticizing instead provide correct field information for improvising for top management.

10. Mr. Arshad Mir was investigating officer deputed at MCB Gizri branch for the investigation of fraud committee by BOM Mr.Usman Shaikh and in collaboration with Mr. Raheel and others under the kind supervision of Mr. Mustafa (GM Audit South). Mr. Arshad Mir and other audit members visited branch several time and examine/reexamine voucher and bank record many times from different angles, but where fail to report the Fund Transfer Application-FTA (SF 100) pertaining to Online debit of customers of Khayaban-e-Saadi, in fact during his visit he was inspecting all Fund Transfer Application-FTA (SF 100) transaction, because Mr. Usman activated false dormant /inoperative account with Fund Transfer Application-FTA (SF 100). It raises many doubt on the performance and quality of work by him he never reported any discrepancy into any Fund Transfer Application-FTA (SF 100)from in his Audit report of Gizri. It is the failure of audit department under the leadership of Mr. Mustafa where they did not reported any discrepancy after examining the bank record either intentionally to protect the Mrs. Samina Branch Manager a close associate of Mr. Nadeem Afzal

11. He in collaboration with other corrupt bank officials arranged me threat for life “Death” not to purse case and provide related evidences to bank management and to Chief Justice of Pakistan any case any damage to my life including to my family members, MCB Bank Ltd nominated official including president will be held responsible for that and compensation should awarded according to my family members consent. Copy of complain attached to for your perusal.

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(General Manager MCB Bank Ltd of COCKE 5003)

Mr. Nadeem Hussain

1.He did not reported management about funds embezzlement of Mr. Ghulam Arif and Mr. Aslam in collaboration with BH/RH/BM of Khayaban-e-Saadi.

2.GM/RH/BH/Shahzeb obtained confession from DSC for funds embezzlement and awarded him grace time to payback fraud amount in out of bank settlement in their own capacity and did not terminated his services from bank instead awarded him 15 days leave.

3.Soon after DSC faraz memon disappeared and I made complained to President & to 4 GHs he instantly resigned and upon BH personal interference official empowerment /influence his resignation and final settlement amount was paid to him and runway to USA.

4. He elevated me to Branch Manager on dated 02-02-2012 after obtained NOC from HRD and later on I was posted to MCB Shireen Jinnah 1349, soon after DSC Faraz Disappearances and fraud surfaced in the month of Sept 2012 I was removed from Branch Manager-ship without announcing any reason.

§ In the month of July 2012 one of bank PEP customer and father of Ex Branch manager Gizri Mr. Ghulam Arif (Former secretary of Sindh Government) complained to Branch manager /RH/GM about fund embezzlement of Rs 5.7 Million by con DSC Faraz. BM/RH/ROM/GM made their efforts to make out of bank settlement/compromise between Mr. Ghulam Arif and DSC Faraz due to their intervention DSC Faraz paid the amount. Later DSC faraz was summoned by BH Nadeem Afzal and his Boss of external Liabilities Mr. Ali Janjua and obtained handwritten confession statement on dated 28.8.2012 and due to relationship with BH/ Mr. Ali Janjua /Mr. Mujahid/BM/RH/GM and as per agreement unnecessarily awarded him grace time since July to settlement/ disappearing date as well as they also guided him and awarded him 15 days leaves and transfer to another MCB Branch instead of termination of his services.

1. Why BM/RH/ROM/GM/BH did not this incident to top management and did not took action in accordance with bank Policy to protect bank interest.

2. After surfacing of said fraud by DSC what preemptive action BM/RH/ROH/GM/BH took to mitigate fraud risk exposure to other branches. In fact they were silent and did not warned any branches of their region not to allow DSC in their branches.

§ Soon after discovery of fraud committed by BOM of Gizri Mr.Usman Shaikh under supervision of BM Mrs. Samina Memon by activating dormant /inactive account through Fund Transfer Application-FTA (SF 100) into many other staff account and in his personal account. Mr. Usman was dismissed from bank services but Mrs. Samina remained active as Branch Manager of Gizri being negligent and in violation of operational manual. Later in the month of February 2012 I was elevated as branch manager and I was transferred to take charge from Mrs. Samina Memon of Gizri Branch, where I meet with Mr. Arshad Mir (Auditor) inspecting branch for ongoing investigation for fraud committed by BOM was thoroughly examining the voucher/bank record since many months and was harassing branch staff through his excessive overpowered attitude. I took MCB Gizri Branch charge and relieved Mrs. Samina Memon for KDA Scheme 1 branch. Soon after getting relieving letter for her onward assignment she was awarded 15days leave because she was reluctant and was opposing to leave MCB Gizri branch. Upon reviewing Branch statistic I found branch in very low performing branch while located in main Gizri Business area in between many other banks.

Unfortunately after completing her 15 days leave she returned back to MCB Gizri Branch to take back charge from me. Copy of her relieving letter to Karachi Development Authority branch is attached for your examination as annexure no3
1. Why Nadeem Hussain did not took any action upon her bad performance and not meeting her assigned financial targets.
2. She was over stayed in branch and was not interested to leave the MCB Gizri branch what interest she had in that branch.
3. In fact auditor was investigating staff accounts activities and found much transaction in between DSC Faraz Memon and Mrs. Samina Memon why audit team and COCKE staff in collaboration concealed/omitted her involvement and connection between them. Copy of her account activities and Ex branch Manager Gizri Mr. G.M. Kashif is attached for your examination.)
§ I doubt and would ask Mr. Nadeem Hussain the grounds/reasons/justification for removing me from branch manager-ship of MCB Shireen Jinnah Branch in the month of September 2012. Because as management as looking for best performance and successor for next assignments. He elevated my to branch manager in recognition of my services and achievements and motivational level and after obtaining No-Objection Certificate from Human Resource Department. Later made me rolling stones by issuing me back to back transfer order and special instruction to BM/BOM to punish me shows her personalization with me without any difference between him and me. copy of email where management has blocked my system and EOC ID’s on dated 24/09/2012 and later upon inquiring reason /grounds for removing me he in collaboration with Mr. Mustafa (GM audit South) and Mr. Arshad Mir (Auditor) in unnecessarily dragged me into said fraud committed by DSC Faraz. My name was not in first audit report and then in month March they issued me charged sheet on false allegations.
1. Mr. Nadeem Hussain General Manager of COCKE 5003 is (Mohajir) and extremes believer of racial biases against sindhi speaking staff and made me victim of same and got personalized in collaboration with his closest friend Mr. Mustafa (GM Audit south)
2. Soon after I complain to higher authorities / government official he resigned from his bank services and did not faced whole situation /allegations and running away to USA.
3. Please investigate why Nadeem Hussain has issued Charge sheet to ROM COCKE Javed Awan and No charges sheet is issued upon continuous and gross Negligence by ROM south Syed Hassan Tahir Naqvi due pressure of his brothers already working in MCB Bank Ltd including same Audit Department south. Later ROM East of COCKE was transferred to city Circle by replacing Mr.Furqan another mohajir ROM in pursuance of racial victimization against Sindhi speaking.
§ In matter fraud matter committed by DSC Faraz Memon involving around USD 250,000/- pocketing/withdrawn from account of Mr.Aslam Jamot (PEP) politically affiliated with Pakistan People’s Party since 02 April 2012. As per bank record he verbally complained to Branch Manager of Khayaban-e-Saadi that his funds are not reconciling with his financial record. She suppressed the matter by informing the DSC Faraz later Faraz gave him Rs.9.6 Million cheque against such settlement and said cheque was bounced / or was bogus deposit slip. But BM/RH/ASM/GM/BH did not took matter seriously and did not took preemptive action and were failed to inform bank official according to bank policy.
§ First Fraud was official reported by branch official in consultation with RH/GM/ROM/BH/Compliance reported on dated 07/09/2012 whereas said fraud DSC was visiting Khayaban-e-Saadi as well as other mcb branches and meeting bank official in mutual agreement for out of bank settlement. Unfortunately remaining four fraud were reported on dated 17/09/2012 after losing each every hope after disappearing of said DSC. In which capacity they took bank matter in their own hand just to protect their jobs and concealing actual facts. What action then management took for submission of delayed fraud? Copy of deposit slip of email for reporting fraud attached.
§ Mr. Nadeem Hussain (GM) Miss. Tooba Personally guided /appointed DSC Faraz Ahmed to help staff of MCB Gizri Branch in matter of FIA inquiry for Fraud committed through MCB Gizri Branch in matter of Trade Development authority of Pakistan and matter was resolved through said DSC. In fact said DSC was used and deputed for issue to be settled out of bank through him.
§ He in collaboration with other corrupt bank officials arranged me threat for life "Death” not to purse case and provide related evidences to bank management and to Chief Justice of Pakistan any case any damage to my life including to my family members, MCB Bank Ltd nominated official including president will be held responsible for that and compensation should awarded according to my family members consent. Copy of complaint attached to for your perusal.

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Miss Tooba faiz Leghari MCB bank ltd, karachi

Tooba Faiz Leghari Regional Manager of COCKE-South.

1. One pay order was issued from DSC salary account on behalf of RH Miss Tooba Leghari for purpose of property transfer amount, this reflects ROM/RH were in constant habit of borrowing money from DSC.

2. She beyond her JD transferred operation staff Mr. Shaukat upon instruction of DSC and deputed his associate and ex- companion of Gizri who executed fraud transaction to MCB Khayaban-e-Saadi branch Mr. Raheel Mehmood.

3. According to my sources he convinced management to allow DSC grace period to make out of bank settlement to repay fraud amount.

4. As per information I collected she was regular visitor of Reign Inn Guest House and of Golf Club DHA phase 8, KHI for personal/individual parties for gratifications.

Questioned pay order was arranged by DSC Faraz Ahmed Memon on Behalf of Regional Manager South Tooba Fiaz Leghari showing Bank Management was in practice of sharing embezzled public funds for their personal use.

§ Miss. Tooba Faiz Leghari (RH of COCKE) was maintaining personal relationship with DSC Faraz Ahmed Memon and she was very close friend of him through Mr. Shahzeb Bhutto who was working in CBBG. DCS Faraz Ahmed Memon upon personal conflict with PBA (Mr.Shoaib Ahmed Somoroo) posted at MCB Khayaban-e-Saadi in collaboration made arrangement to immediately transfer PBA to Korangi Industrial Area Branch in punishment in pursuance of unnecessary transfer order issued by Miss. Tooba Faiz Leghari. Her intentional/deliberated/action in collaboration transfer order opened possibility for DSC Faraz Ahmed to build his personal relationship with existing customer of branch in absences of PBA due to unprofessional branch manager Mrs. Mehwish shah.

§ Pay order No 3833446 of Rs 25,200 favoring Karachi development Authority issued from Khayaban-e-Saadi on account of Miss. Tooba Faiz Leghari B/10 4th Floor, FL 1/B-2 , Plot No FL 1, Block 7, KDA where she lives with her family members and borrowed said amount directly from said DSC for the assignment she put on him for the transfer/mutation/change of Flat record on her name. This instances show that she was regularly taking financial assistance/advantage from him. Said Pay order was later cancelled on dated 6th August 2012 in violation of operation manual V 2, December 2010 without cancellation endorsement of beneficiary and same was credited back to DSC Faraz account. Why audit team purposely concealed the wrong practices for cancellation of pay order and did not reported same in their report to protect BM (Mehwish Shah) GBO (Raheel Mahmoud) RH (Tooba Legahri).copy of pay order along with DSC faraz handwritten deposit slip and pay order cancellation request enclosed for your ready references. Copy of Pay order is attached for your ready examination and perusal.

§ Why Miss Tooba Leghari did not removed Mrs. Samina Memon upon her bad performances in Gizri Branch what interest Mrs. Samina memon had in MCB Gizri branch and she refused every transfer order why she was larger then bank policy matters. Why RH did not have sufficient power to transfer her and please also investigate one incident where Mrs. Samina Memon insulted RH in front of branch Manager Meetings and threaten with Name of BH.

§ She and indirectly Mr. shahzeb were the guarantor of DSC Faraz Ahmed Memon to release DSC Faraz Ahmed from confinement by CBBG floor after obtaining hand written confession to arrange the funds against committed frauds in their private capacity and why GM/ASM/BH/HOeL/Compliance/Audit did not object their wrong action.

§ She was regular visitor of Cottage of Golf Club located at DHA Phase 8, Karachi through membership of Faraz Ahmed Memon for her personal gratification. Please investigate matter with management of Golf Club, DHA Phase 8, Karachi.

Golf Club, DHA Phase 8, Karachi

§ She in collaboration with other corrupt bank officials arranged me threat for life” Death” not to purse case and provide related evidences to bank management and to Chief Justice of Pakistan any case any damage to my life including to my family members, MCB Bank Ltd nominated official including president will be held responsible for that and compensation should awarded according to my family members consent. Copy of complain attached to for your perusal.

why Corrupt MCB Bank ltd management has given her letter of exoneration she is deeply involved in Rs 6o to Rs 8o Million customer fund embezzlement, and unfortunately she is enjoying same designation and entitlements perks benefits and respect, because she has good father and who is directly supporting her, why why why ? what the reason behind his good father support, is he a family members in fact no he by case/surname Memon and working in government in DMG group, Dr. Riaz Memon was and is the project direct of PPHI (people's primary Health care initiative sindh) program supported & funded by sindh government for people of sindh. government of sindh allocated and disburse funds to PPHI and Dr.Riaz Memon has direct relationship with Miss Tooba Faiz leghari and since last 5 year he as awarded her extra favour support and awarded Rs.300 Million to Rs.500 Million upon his own discretion and placed said funds at low cost (profit accumulation scheme of MCB Bank Ltd) of fraud bank, just to support her to become Regional Manager from Branch Manager of Zamzama, Karachi.

Dr.Riaz Memon of PPHI, Placed PPHI Rs.300 to 500 Million just to make her Regional Head & he is protecting her job and from prosecution of law and Bank Management has awarded Tooba letter of exoneration

Unfortunately it its calbar of MCB banK ltd to give respect & hire kick-out staff of Standard Chartered Bank it the standard of MCB Bank Management, prior joining MCB Bank Ltd she was Customer Services Officer, appointed in MCB Bank Ltd in the capacity of Branch Manager Zamzama by General Manager of Circle office Commercial Karachi east, Mr. Abrar Hussain Naqvi currently working of UBL.

Does Government funds can be placed and does any authority do the audit for such low cost /profit bearing fund placement on personal favour just to promote his friend, misusing his official empowerment vested by government of sindh. where other bank are offering much more profit rates and more inordinate free financial services.

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Mr. Shahzeb Bhutto

(MCB Bank Ltd CBBG Operations Coordinator)

Mr. Shahzeb Bhutto. (DSC Faraz lieutenant)

1. He introduced DSC faraz to Bank upper management &use to invite them to alcohol &prostitute parties. Soon after fraud surfaced he resigned immediately and BH used his influences to urgently process his resignation under power vested by Bank to protect its interest.

2. He is close friend of RH of COCKE Miss Tooba Leghari and influenced her to transfer Mr. Shaukat from Khayaban Saadi beyond her JD and Later Mr. Raheel Mehmood a close associate and ex Branch mate of Gizri was purposely transferred to Khayaban-e-Saadi in pursuance of their own agenda.

3. Upon review of Mr.Shahzeib Bhutto account statement their were many transaction credited from DSC Faraz account into his accounts. Consequently customer embezzled funds were disbursed to him as well.

4. As per information I collected he was regular visitor of Reign Inn Guest House and of Golf Club DHA phase 8, KHI in liquor & prostitution parties organized by DSC Faraz Memon.

5. He was well aware & concealed actual fact & frauds and did not reported them to Bank management.

Shahzaib was introduced by Ex Branch manager of Gizri branch to DSC Faraz and used to spent evening together

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Mr. Ali Janjua ex MCBian HoEL, DSC Faraz Ahmed Memon Close friend

(MCB bank Ltd Head of External Liability)

Mr. Ali Janjua

1. He was Head of Department but was maintaining very close & beyond professional relationship with DSC Faraz Memon.

2. Upon my personal investigation he used to Borrow money & cars from DSC.

3. Upon review of DSC Faraz Assigned Monthly/ Quarterly/ yearly Targets he did not attained said targets and never terminated for same,

4. As per information I collected he was regular visitor of Reign Inn Guest House and of Golf Club DHA phase 8, KHI in liquor & prostitution parties organised by DSC Faraz Memon.

5. On dated 28.08.2012 before DSC Faraz disappearance with embezzled fraud amount he called faraz to immediately appear before him/Business Head/General manager/Regional Head/Branch Manager of Khayaban-e-Saadi and forced him to confess and give written statement for his crimes and made agreement with for out of bank settlement and awarded him grace time/on false believe that he will return back amount but he disappeared and sold his DHA bungalow and luxury cars etc in violation of Bank policy &; procedures.

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Deputy of Head of External Liabilities

Mr. Mujahid

1. On dated 28.08.2012 after obtaining written confession from DSC Faraz he proved his 15 days unnecessary leave in consultation with BH/GM/RH/Shahzaib/Ali Janjua instead of terminating him from his services.

As per my information he was regular visitor to liquor/prostitution parties to Regin inn guest house/Golf club

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(Ex.BM of Gizri Br 1442)

Mrs. Samina Memon.

(DSC Faraz Commander)

1. She was maintaining personal & beyond professional relationship with DSC and used to trap Branches CSO for sexual abuse by DSC Faraz & team under charm of illicit alcohol &a drugs to first timers.

2. She was also maintaining financial relationship with DSC Faraz both were in habit to drink alcohol in Gizri branch with in banking hours.

3. During her Branch Manager tenor of 3 years all the fraudulently activities were done &a she did not monitored/controlled. To divert bank upper management said frauds were reported from Khayaban e Saadi branch 1451 far from incident places.

4. Upon her bad performance in MCB Gizri branch 1442 she was not transferred or removed due to her attachment to Business Head Mr. Nadeem Afzal direct support to her.

5. She over stayed in MCB Gizri Branch 1442 and I was elevated took charge of branch and relieved her for MCB KDA Scheme 1 Branch, after 15day she returned back and kicked me out with Business Head Nadeem Afzal and General Manager COCKE5003 Mr. Nadeem Hussain instructions and I was transferred to MCB Sunset Branch 1519.

6. During her Branch manager-ship since 2010 till 2012 afterwards Business Head to protect her from legal prosecution he immediatly obtained her resignation and processed it urgently to avoid prosecutions.

7. During her Branch manager captain ship Branch Ops manager fraudulently activated public dormant /inactive accounts & embezzled funds.

8. During her Branch manager captain-ship and prior since DSC Faraz Memon posting to MCB Gizri Branch since 2010, Branch Ops Manager along with General banking officer Raheel mehmood were violating bank policy and operation manual and were regularly debiting and retracting online other branch public accounts and crediting third branches own or associate accounts to withdrawn same later for personal benefit without any approval from customer/public

9 As per information I collected she was regular visitor of Reign Inn Guest House and of Golf Club DHA phase 8, KHI in liquor & prostitution parties organized by DSC Faraz Memon

Fraud fund embezzlement were received by following staff later their resignation was process with any legal action against them

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(Ex.BM of Khayaban-e-Saadi-1451)

(JUL 2011 till Sept 2012

Mrs. Mehwish Shah

1. She was also maintaining very close relationship with DSC Faraz Memon she was mediator to arrange money from DSC Faraz to lend them to MCB Staff/superiors without cash trails.

2. She has the secretes of Management and DSC Faraz with herself and never informed any one on time.

3. She was promoted upon her prior relationship with DSC Faraz and he made arrangement through their network /personal relationship with Mr. Shahzeb Bhutto & Ms. Tooba Faiz Leghari Regional Head to level the grounds at COCKE 5003 for her as both already worked in MCB Gizri branch and favored their friendship and compensated

4. I verbally blow whistle to ROM Tahir Naqvi and RH Ms Tooba Leghari about her un professional activities and loss control and unnecessary involvement in Branch operations and awarding favor to customer and compromising bank reputations.

5. She concealed actual fact & frauds and reported them late in consultation with ROM after disappearance of DSC Faraz.

1. Mrs. Mehwish Shah (Ex-branch manager of Khayaban-e-Saadi) is still member of GM/RH/ROM/BH/Audit Team she is the informer of management and she has the accurate and proper information about DSC Faraz Ahmed memon and she was the mediator/facilitator between DSC Faraz Ahmed Memon and Management financial borrowings and wrong doings. Due to her close relationship with DSC Faraz and she already knew her since MCB Gizri Branch were maintaining close relationship with him, Same DSC used his connection and made arrangements through RH Mrs. Tooba Leghari to elevate her to Khayaban-e-Saadi Branch manager to attain their goals.

MCB Bank Ltd @ Mr.Aslam Complain against Mehwish Shah involvement

MCB Bank Ltd @ Ali complaint against Mehwish shah DSC faraz close friend she was covering up the matter & did not reported about the fraud cases, that people were reporting to her agter branch was burnt

MCB Bank Ltd @ Ali cash deposit receipt & complaint against Mehwish shah DSC faraz close friend she was covering up the matter & did not reported about the fraud cases, that people were reporting to her after branch was burnt

MCB Bank Ltd @ following case were reported late against SBP prudential regulation of 15 days, Branch Manager & lobby was covering up the matter to manipulate the bank record

MCB Bank Ltd @ following case were reported late against SBP prudential regulation of 15 days, Branch Manager & lobby was covering up the matter to manipulate the bank record page 2

2. At one time I blew the verbal whistle of Mrs. Mehwish shah to ROM-South and RH-South, next day both visited branch and warned me in my best interest to stop this nuances and start supporting BM, I informed both of them that she is asking for kickbacks from vendor for finishing branch toilets, and she has already taken kickback for branch blinds providing vendor and for sofa cushion replacement.

3. She handed over Branch vehicle to her father in law. (Call witness Mr. Hussain Cashier/Branch guards).

4. She played vital role for out of bank settlements of fraud unfortunately she failed in team with others members.

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MCB Bank Ltd (VP) Corrupt Regional Operations Manager	Syed Hassan Tahir Naqvi

(ROM of COCKE 5003 )

Syed Hassan Tahir Naqvi

1. All Frauds activities were executive from MCB Gizri Branch (actual palce of crime/incident), Under supervision of Branch Manager Mrs. Samina Memon/Branch Operations Manager Mr. Usman Shaikh and General Banking officer Raheel Mehmood all were close associate of DSC Faraz Ahmed they in team debited other branches customer account through online facility in violation of bank policy’s but ROM was never charged for his negligence due to his connections / influence.

2. Out of turn newly hired Cashier of MCB Khayaban-e-Saadi (infact he did not have skills and training for Branch Operation Manager) was promoted to Branch Operation Manager of MCB Hotel Mehran upon direction of DSC Faraz Ahmed by ROM.

3. He appointed his deputy as Branch Operation Manager of Khayaban-e-Saadi Mr. Aftab Sario due to his involvement Valued Politically exposed person of PPP Mr.Aslam Jamot USD 250,000 were embezzled and upon ROM instruction Dollars were called from Foreign Exchange Branch and in violation of bank policy remained for 20 days in branch later fraudently withdrawn from customer account through manual fake cheque book and purposely case was referred to High court using bank machinery for his own interest and time delay.

4. Branch Operation Manager of Khayaban-e-Saadi Mr. Aftab Sario and Branch manager Mr.Imran Fazal Ali both were appointed by corrupt management to help them conceal and allow them to temper bank record time to time in their favor. In my written statement on dated 30.11.2012 I informed audit team that ROM is frequently making unofficial visited and has tempered the executive visit register and reentered his comments for branch improvisation and instructed branch official to restrict DSC access in branch that is false comments I request audit to investigate and refer same to hand writing expert for two visibly different ink of pen, instead the concealed and omitted said instance in audit report.

Muslim Commercial Bank Regional operation Manager Syed Hassan Tahir Naqvi Tempered Fraud Record to escape prosecution page 2

5. For all those frauds committed his region he is not been charges for his negligence’s due to his connection and influences and his other three brothers are working in same circle office.

6. I also requested management and audit team to review ROM account history and pattern of amount transfer and withdrawal as he is in bad habit for borrowing money from his subordinates and regular customer of culprit DSC Faraz.

7. He arranged two forensic expert bogus reports under his past connections for desired result to divert management attention from his negligence’s.

8. He is also maintaining close personal relationship with Mrs. Samina memon/ Mrs. Mehwish shah and both are under his protection.

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MCB Bank Ltd , Sind Pakistan &amp Corrupt Audit practices

(Investigating Auditor)

Mr. Arshad Mir

1. Please refer to phone call b/w me and of Gizri branch staff, in that he stated that Mr. Arshad Mir is forcing him to arrange IBS sticker No 10328 pertain to (me) (Emp # 29549) that is missing and never pasted into IBS Book for cross verification of staff signature (verifying officer IBS signature) since issuance year 2010 to arrange it from adjacent branch immediately to cover up their negligence’s because this was already been reported into whistle blow to GH Audit ,GH Operations, GH Legal ,GH HRD ,President, Chairman, Governor SBP, Chief Justice of Pakistan and other law enforcing agencies and Government departments. Consequently BM/BOM of MCB Gizri Branch refused to act upon Audit Arshad Mir/Mustafa/ROM-south directions.

2. Mr. Arshad Mir investigating auditor purposely in collaboration with lobby prepared/reported matter pertain to Mrs. Samina Memon (Ex staff and Ex Branch Manager of Gizri Branch) who was maintaining very close relationship with Mr. Nadeem Afzal (BH). All debit/Credit transactions between DSC Faraz Ahmed Memon and Banks other Staff Mrs. Samina Memon / Shahzeb Bhutto / G.M.Kashif (Son of Ghulam Arif account holder of Gizri Branch and PEP) were concealed/omitted from bank official record and no justification about their relationships and nature of these account activities were not obtained & he did informed his GM to hold their resignations till management decision instead he allowed them to escape from bank prosecution and justices. In what capacity he did not reported these activities to top management.

3. On several occasion Mr. Arshad Mir (MCB Audit Team South) unofficially summoned me for inquiry and forcefully/illegally abducted/confined me against my will at audit department south ,13 floor MCB Tower,I.I.C Road, Karachi

4. During my services I apprehended Ex branch manager of KDS Scheme Mr. Razi Jameel for his fraud attempt and later audit same team discovered his other funds embezzlement's at MCB Clifton Branch, Mr. Arshad Mir soon after the incident appreciated me and called me. But Know to attained their desired result unnecessary dragging me & misreporting me as Malafide where as there is no direct financial loss due to me.

5. in fact fraud incident took place at MCB Bank Lt Gizri branch 1442 (jaga e waqowa) but reported from Khayaban-e-saadi 1451 to divert attention because prior to his fraud incident, audit team visit said branch record several time and prepared 2 reports but it reflects all their activities were bogus because they did not detected any suspicious transaction before during their inspection to cover-up their negligence they arranged said predesigned drama.

6. As per Bank dual staff operation control /financial passing threshold & limit MCB Gizri Br Ops Manager Usman Shaikh & GBO Raheel passed override of each 31 transactions as per their desires & audit omitted/concealed mis reported this information to protect their reputation & un-professionalism.

1. Please refer to Pay order number # 3833446 of Rs. 25,200/- favouring KDA WING on account of Tooba Faiz Leghari B/10 , 4th floor, plot # FL 1/B-2, Block 7, KDA 5, Karachi .Said address pertain to RH of COCKE where she lives with her family members and said pay order was issued from Khayaban-e-Saadi branch 1451. But Auditor Arshad Mir did not properly reported about financial relationship between them. Later said pay order was cancelled by issuer branch staff, Please confirms was that pay order properly cancelled by beneficiary (KDA WING endorsement on pay order back side) in compliance of Bank operation Manual and is any charges level on officer of bank for violation if any. Proceeds of said pay order was later credited back to DSC Faraz Ahmed Memon on dated 06th August 2012 few days before his disappearance.

2. Mir Arshad (Auditor) restraint me to write in my statement about ROM south Tahir Hassan Naqvi forcefully borrowing of funds from his region BOM’s. if also reported them during my inquiry that, audit team should review the account activities of his Salary account (current/pervious), you will notice soon after salary is credited instantly funds are immediately are marked restraint into system as Funds on Hold “FOH” upon his instruction or by bank staff who have cheques against such forcefully borrowing. (Matter should be inquired from Mir Mehommod Ali BOM of MCB Badar Commercial branch about Rs 25000/- and his constant lender Mr. Zahir Tanoli BM of Saira Center 1396 and from Ex Branch manager of MCB Khayaban-e-Saadi Mrs. Mehwish Shah under covert operation)

3. This is also to report you that, after reviewing/hearing evidences (conversation between one of Gizri branch staff) stated that Mr. Arshad Mir told him to arrange IBS sticker No 10328 pertain to (Emp # 29549) that is missing and never pasted into IBS Book for cross verification of staff signature (verifying officer IBS signature) to arrange it from adjacent branch immediately to cover their negligence’s because this was already been reported into whistle blow to GH Audit ,GH Operations, GH Legal ,GH HRD ,President, Chairman, Governor SBP, Chief Justice of Pakistan and other law enforcing agencies and Government departments. Consequently BM/BOM of MCB Gizri Branch refused to act upon Audit Arshad Mir/Mustafa/ROM-south directions.

4. Most negligent Audit Team never pointed out discrepancy to branch officials /bank management during their full scope audit inspection during previous years 2009/2010/2011/2012 since my IBS issuances. Said branch IBS book is outdated not properly maintained and audit team/LCO/ROM-south/Circle authorities/AOH never inspected and inquired the matter and no afterward action taken, now Arshad Mir is forcing current BM/BOM to past the copy of IBS # 10328 after acquiring it from nearest branch as it has been pointed out by me. This shows their intention to unnecessarily involving me in pursuance of game plan.

1. Did any of Audit Hierarchy cross examined/reviewed the Audit report and examined its bases or cross verified their evidences to check the integrity of audit department quality of work.

5. Mr. Arshad Mir investigating auditor purposely in collaboration with lobby prepared/reported matter pertain to Mrs. Samina Memon (Ex staff and Ex Branch Manager of Gizri Branch) who was maintaining close relationship with Mr. Nadeem Afzal (BH). All debit/Credit transactions between DSC Faraz Ahmed Memon and Bank Staff Mrs. Samina Memon / Shahzeb Bhutto / G.M.Kashif (Son of Ghulam Arif account holder of Gizri Branch and PEP) were concealed/omitted from bank official record and no justification about their relation and nature of these account activities were obtained in this regard and he did directed his GM to hold their resignations till management decision and allowed them escape from bank prosecution and justices. For their malpractices and working as parallel management and acting at their own.

6. On two Occasion Mr. Arshad Mir (Auditor) summoned me urgently after banking hours and forced me to turn off my mobile, he abducted me & confined me at 13th Floor, MCB Tower, I.I.Chundrigar Road, Karachi against my will, and constantly bombarded me with false questions/false allegations, Arshad Mir along with Mustafa (GM Audit South) Mr. Musharraf tortured/stressed /abused me mentally & physically and put me in deep shock/trauma. Later Arshad Mir started to force me to give details of my wife and started to tell me qualities of my wife, and on second occasion Arshad Mir along with ROM South Syed Hassan Tahir Naqvi at MCB mezzanine floor summoned me along with Mr. Kamran (Ex Bom Hotel Mehran) and Mr. Hussain (Ex Cashier of Khayaban-e-Saadi) both inform of these ex BOM and Ex Cashier started to discuss my wife details and begin her character assassination/exploitation /publically discussing my personal family matter to pressure me and begin personalizing/racial discrimination to me showed openly their uncontrollable powers. ( as witness I would like to call Mr. Kamran Ali and Mr. Hussain Khan for confirmation and testimony)

7. On dated 30th November 2012 before compilation of second audit report , in my statement I mentioned in return of one question that what action I took being BOM of Khayaban-e-Saadi where ROM has written in his 13-01-2012 executive visit register page 25 that sales staff should not be allowed to participate in operation works. In that response I denied any interference of DSC Faraz Ahmed Memon and further informed Mr. Arshad Mir that this comments where never written before me because I carefully read and make strategies accordingly and challenged them that is written later and bank record are tempered/omitted to safe ROM-south job and negligence’s. But Mr. Mustafa and Arshad Mir in collaboration with Mr. Tahir Naqvi ROM South by channelizing his most favorite and loved BOM Mr. Aftab Sario and BM Imran Fazal Ali allowed him to tempered/omitted bank record that should have been in safe custody, I am whistle blow each time about malpractice of corrupt bank officials to cover their negligence’s. This shows they were well aware but trying to deceives their boss lack of knowledge and interest in such reports. Copy of statement given to audit team of dated 30th November 2012 is attached.

9. Mr. Arshad Mir was investigating officer deputed at MCB Gizri branch for the investigation of fraud committee by BOM Mr.Usman Shaikh and in collaboration with Mr. Raheel and others. Mr. Arshad Mir and other audit members visited branch several time and examine/reexamine voucher and bank record many times from different angles, but where fail to report the Fund Transfer Application-FTA (SF 100) pertaining to Online debit of customers of Khayaban-e-Saadi, infact during his visit he was inspecting all Fund Transfer Application-FTA (SF 100) transaction, because Mr. Usman activated false dormant /inoperative account with Fund Transfer Application-FTA (SF 100). It raises many doubt on the performance and quality of work by him he never reported any discrepancy into any Fund Transfer Application-FTA (SF 100) from in his Audit report of Gizri.

He in collaboration with other corrupt bank officials arranged me threat for life “Death” not to purse case and provide related evidences to bank management and to Chief Justice of Pakistan any case any damage to my life including to my family members, MCB Bank Ltd nominated official including president will be held responsible for that and compensation should awarded according to my family members consent. Copy of complain attached to for your perusal.

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(Audit Team Leader, Audit South)

Mr. Hassan Mehdi.

1. He is Brother of ROM south of MCB circle office Commercial Karachi East 5003, 15th floor MCB Tower, I.I.Chundrigar Road, Karachi. And fortunately he is also in same audit department south leaded by General Manager Audit South Karachi Mr. Mustafa.

2. He in violation of bank Oath Not to bring his personal/family interest before his Job Description/assignments and will never comprises bank interest (code of ethics conflict of interest ) unfortunately he time to time influenced GM Mr. Mustafa and Investigate officer Mr Arshad Mir to conceal/omit issue negligence of his brother and shift the burden onto lower staff and make them escape goat.

3. He time to Time leaked the information of audit department south in collaboration of GM audit Mr. Mustafa and informed his brother next branch audit team will take up for annual audit inspection and also play Vitol role as mediator between COCKE 5003 and audit department for branch rating despite whatever fraudulently activities were done.

4. Bogus expenses approval were given and payments were enchased as per scam without trace and deliveries were made to audit team.

§ Mr. Hassan working in Audit South (Brother of ROM-south of COCKE Mr. Syed Hassan Tahir Naqvi)

1. Mr. Hassan who is working in same audit south under supervision of Mustafa (GM Audit South) and Very close friend of Audit Manager Mr. Arshad Mir. He compromised his oath with bank to never will let personal interest intervene between bank interest and personal gain/benefit, in fact as I am witness he time to time provided information to his brother Mr. Syed Hassan Tahir Naqvi ROM-South of COCKE about current position and influenced Mr. Arshad Mir to develop soft corner for his brother and tried his best not to level any charges on his brother and he guided him to omit/concealed bank record to protect his job and compromise other lower staff life and futures.

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(Ex.BOM of Gizri Br 1442)

Mr. Muhammad Usman Shaikh

1. During his Branch operation managership since 2010 till 2012 he was very close associate of DSC Faraz ,both conceived plan/organized/selected team members/pinpointed potential public accounts and later executed their fraudulent plan accordingly since then till his dismissal.

2. He was habitual & out of control due to his liquor and other illicit habits, later he at his own withdrawn and embezzled public funds by activating dormant/inactive accounts for same he was dismissed from bank services without any legal action and ROM syed Hassan Tahir Naqvi also not charged from same and arranged him save passage & plea bargain.

3. As per my information he was regular visitor to liquor/prostitution parties to Reign inn guest house/Golf club.

4. Under Bank dual staff operation control /financial passing threshold & limit He and GBO Raheel passed override as per their desires & audit omitted/concealed miss reported this information for their own agenda.

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(Ex.G.B.O of Gizri Br 1442)

Mr. Raheel Mehmood/OG III

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(Ex.G.B.O of Khayban e Saadi 1451)

Mr. Raheel Mehmood/OG III

1. General Banking officer Mr. Raheel Mehmood during his services at MCB Gizri Branch he was team member of their fraud group, he executed 31 Fraudulently funds embezzlement transactions by debiting /retracting through online other braches public accounts in violation of bank policy.

2. Later he was transferred to MCB Khayaban-e-Saadi branch as per their plan and other their he also executed fraudulent transaction’s to attain their desired targets.

3. Know he says he is mentally disturbed and don’t know why bank has hired him and he is taking pills under doctor supervision.

4. He on dated 30-12-2011 delivered and feeded disputed manual cheque book of Pakistan People’s Party MNA (in banking terminology a PEP account) personal account # 2595 and withdrawn cash from same but audit team has shifted purposely shifted DSC Faraz ex mate fraud burden on me & other staff while I was on mandatory leave

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(Ex.BM of Khayaban-e-Saadi-1451)

(JUL 2011 till Sept 2012 )

Mr. Aijaz Abrro

1. He was well familiar with DSC faraz memon past and activities prior his joining to MCB Bank Ltd and also singed his employment documents as his guarantor/referee.

2. He was also maintaining financial relationship with DSC Faraz directly.

Ex Branch Manager & Job Guarantor Aijaz Abro in whisky & prostitute party arranged by Faraz Memon for Bankers

3. As per information I collected he was regular visitor of Reign Inn Guest House and of Golf Club DHA phase 8, KHI in liquor & prostitution parties organized by DSC Faraz Memon.

4. He concealed actual fact & frauds and did not reported them to management on time infact resigned from bank and currently return back to home town and become unreachable.

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Muslim Commercial Bank Ltd (MCB Bank ltd) Fraud Flow Chart of MCB Gizri Branch By Mr.Nadeem Afzal Business Head page 2

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Complain logged at P.S Gizri, Karachi against MCB Bank Ltd Business Head and his Corrupt & Cheater Team for murder threat to his employee upon whistle blew to MCB Bank Ltd President and All Group Heads, Said Branch Manager was dismissed from bank services in relational/aggression

The Station House Officer,

Police Station Gizri, DHA Phase VI,

Karachi

Subject: Complain Against Death Threat given by Muslim Commercial Bank Ltd (MCB Bank ltd) Corrupt Bank Officials.

Respected Officer,

This is for your information and necessary action, today on my way to office located at Circle Office Commercial Karachi East,15th floor MCB Tower, I.I.Chunderigar Road, Karachi. around 10.30 am two unidentified armed person on black motorcycle purposely and forcefully stopped my car at Khayanaban-e-Bukhari Intersection/singal and linking road of Khayanaban-e-Muhafiz and threaten me for my life "volatile death threat" and warned me not to supply evidences and not to purse my case registered in Supreme court of Pakistan Human Right Cell requested by me to Chief Justice of Pakistan Mr.Iftikhar Ahmed Choudary /Federal Investigation Agency/Director General Anti Corruption/Central Broad of Revenue for tax aversion to take suomoto action against corrupt criminal MCB Bank Ltd Management and their malpractices for account holder fund embezzlement, today i also testified in front of inquiry team consist of Mr. Alay Shafi Business Head Remittances & Karim Aghadi Head of Compliance & Audit RAR appointed by MCB Bank Ltd President Mr.Imran Maqbool both took my statement in this regard.

i Mr.XXXXXXXX S/O Mr.XXXXXXX hereby nominated Mr.Nadeem Afzal EVP & Business Head South , Mr. Nadeem Hussain SVP General Manager COCKE, Mr.Mustafa General Manager South Audit, Mr.Arshad Mir investigator /Auditor , Mr.Mushraf Audit Head, Miss Tooba Faiz Leghari Regional head South, Syed Hassan Tahir Naqvi Regional Operation Manager south. if any damages inflicted to me or to my family in this matter Muslim Commercial Bank Ltd will be responsible for my death including bank President & chairman Mian Mansha for not intervening stopping this group of thugs/criminals.

thanking you,

Mr.XXXXX

emp 29549

Ex Branch Manager

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Upon reviewing Complain logged at Police station Gizri Karachi, General Manager Nadeem Hussain Flew to Canada immediately without serving his due resignation period as per bank policy, in fact he applied for premature retierment and again Nadeem Afzal Business Head supported him and processed his resignation on priority and arranged his fund of Rs. ten Million One Hundred twenty four thousand five hundred ninety six rupees in to his account maintain in MCB Mehdi Tower Branch, Karachi.

as per Policy hi Authorized signature for deletion circular was immediately & special was printed by violating all bank policy and procedure just to provide him clearances,its apparent on circular reason as resigned

General Manager Nadeem Hussain Authorized Signature deletion upon resignation and involvement in fraud

General Manager Nadeem Hussain end of services benefits amount, he flew to canada

Credit advice of Rs.10 Million of MCB Bank Ltd General Manager Mr.Nadeem Hussain of Circle office Commercial Karachi East, 15th Floor, MCB Tower, Karachi , because he runaway due to corruption and frauds by Bank Management ,

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Faraz Ahmed Memon Hand written confession letter obtained by MCB Bank Ltd before his escaped/dis-appearance.

this is the hand written confession of fraud staff Faraz Ahmed Memon, and MCB Bank Management was aware and they did not made any arrangement to arrest him before he escape due to fear that he will qout the name of Nadeem Afzal and whole group.

DSC Faraz Ahmed Memon Bogus Leave application after hand written confession letter

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1. First Letter of Charge.

§ I was removed from branch managership since September 2011 without any reason /justification and transferred to many branch as GBO and become rolling stone. With management words to BM/BOM to give me tough time as punishment.

§ Fist charge sheet was issued on matter that were already been inspected by annual audit /LCO/ROM /offsite monitoring /compliance department during the year 2009/2010/2011.

§ Unnecessarily charged and victimized on personal ground in collaboration of COCKE and audit team south.

§ COCKE authorities did not properly read my justification in detailed and order an inquiry in predesigned mechanism. In that both management representative and inquiry officer intimated that they both are puppet and management has already decided to kick you out. Nothing we can do in it.

§ Submitted evidences and circular in my defence /clarification. Those were conducive and very important to matter but were awarded to dustbin. During fake impartial inquiry both members were defending management in predesigned agenda.

§ First standoff with audit investigating officer Mir Arshad and GM audit Mustafa where I refused to write statement under their direction and wish. Both of them harassed me mentally/abused me verbally. Later in collaboration with COCKE they purposely concealed the actual facts and dropped many instances purposely names of management/staff at their discretion.

2. Second letter of charge

§ After reviewing COCKE 5003 and audit discriminative attitude to protect the favorite staff and make escape goat sincere staff. I wrote complain & whistle blow first on dated 11th June, 2012 to president and Four group Heads but unfortunatly no one acknowledged my email and confirmed me any action will be taken.

§ In retaliation COCKE & Audit wrongly charged me for the fraud incident where I am on mandatory leave since 27th December 2011 till 16 January 2012. Where manual cheque book was issued in my absences and was entered in to system on dated 30th December,2012 by Mr. Raheel and on same days cash was withdrawn from customer account.

§ Audit team has purposely nominated my name whereas on 30th November,2012 I already submitted by written statement that I am on leave .but audit tried their best to deceive management because of their lack of knowledge and interest in such matters.

3. First fraud Surfaced

§ In the month of Feb 2012 I was elevated as branch manager and was transferred accordingly.

§ As per my investigation and bank record first fraud was surfaced was of Mr.Aslam Jamot in the month of April 2012, said customer complained to branch manager that his Dollar account funds are short in reconciliation with his record. Manager tried to cover up the matter and informed /requested DSC to deal outside the bank with Mr.Aslam jamot because of their trust and mistake they handed over $ 150,000 of customer to DSC. She never bellowed the whistle.

§ Second fraud case against DSC Faraz Ahmed memon was also reported in the month of July 2012, of Bank customer Mr. Ghulam Arif Khan Father of Ex Branch manager of Gizri Mr. G.M Kashif of Rs.6.7 Million. GM Mr. Nadeem Hussain personaly in collaboration with BM/RH/ROM persuaded DSC faraz ahmed memon to return back the embezzled money to customer by making out of bank settlement at his own discretion and did not informed to Bank Management. Later DSC made payment to customer and then GM Nadeem Hussain in consultation with BH took necessary action and called up DSC faraz Ahmed at CBBG for investigation. Their they took written statement of confession from him and awarded him 15 days leave and transfer to circle west branch. Why he was not terminated?. How gave the guarantee/assured GM to not take any action and awarded him time and space to escape and soon after that he attempted fraud and was succeeded at Hotel Mehran Branch. Why management did not took preemptive measure and banned his access to branch of region.

4. Fraud Activity Hub Branch (MCB Gizri Branch)

§ Audit Team visited MCB Gizri branch for the incident of fraud committed by BOM Usman by activating dormant customer account and pocketing same in Fund Transfer Application-FTA (SF 100).

§ Gizri branch does not have my IBS sticker in their IBS Book how came they verified my signature and no online confirmation was obtained from Khayaban-e-Saadi branch to debit online.

5. Circle & Audit Role

§ Record Concealment/omission not reported actual facts to concerned authorities.

§ GM Audit south Mustafa and GM COKE Nadeem Hussain are very close friend and now GM Nadeem Hussain has resigned and fleeing from Pakistan after doing corruption

6. Alarming questions.

§ unfortunately all three branches fall under operational reporting line of ROM-south and it is very shocking no charge sheet is issued to him?

§ in fact his name has been removed due to influence of his family member working in audit department south ,very same audit department that is conducting the enquiry of said fraud.

§ If any charge are leveled on any BOM of his region for any negligence same are applicable on him. Why No chargesheet is issued to him?

§ without any logical /official justification because of GM/RH/ROM personal /races racism/victimizations/ favourtizim/ heatratizem to me? for 07 months and made me rolling stone by transferring me to several branches in punishment and issued instruction to branch manager/BOM to give me tough time & isolation.

§ Please investigate and inform higher authorities who were his guarantors in his job?

§ And who hired him and upon who’s recommendations?

§ Why name is was recommend for permanent slot in MCB Bank Ltd and made out of ways efforts?

§ In CBBG who was the weak link/channel and pawn/proxy executing his commands?

§ Why I was removed /transferred from MCB Gizri branch managership soon after 15 days after taking charge from Branch manager Mrs. Samina Memon? & upon who’s instructions gave back branch charge?

§ As per Bank record during her tenor Gizri Branch suffered severe reputational damage due fraud and performance not up to assigned quarterly/annual financial targets then why she was not removed from MCB Gizri Branch?.

§ DSC faraz was not performing upto mark why his boss did not issued him warning letter/ transferred him to other branches of same region/ not terminated from Job being on third party contract for business development ?

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Date 03rd July,2013

To,

The Consumer Protection Department,

State Bank of Pakistan,

I.I.Chundrigar Road, Karachi.

REQUEST TO REGISTER COMPLAIN AGAINST MCB BANK LTD CORRUPT HIGHER AUTHORITIES.

Dear Sir,

This is request to you, please register complain against corrupt MCB Bank Ltd circle office commercial Karachi East authorities are involve and they have organized/ predesigned/executed the scam of fraud of Millions of Rupees related to innocent public (bank account holders). They hired a direct sales consultant to generate new to business (new account) to branch under third party employment contract in violation of State Bank of Pakistan rules and regulations. Whereas said culprit DSC Faraz Ahmed Memon had political affiliation and have the car with flag of Pakistan People Party. They took personal benefit /assistance/advantages from said DSC and purposely they are shifting burden of public scam/fraud on lower level staff by considering them escape goat. Whereas they are highly paid and have decades of experience on their hands and very intelligently committed white collar crime of Million and instead they are deceiving government tax authorities by taking tax shield by reporting it as loss (write off) and also taking insurance claim from companies also owned by same owner. Currently involved higher bank authorities (Business Head Sindh & Baluchistan, General Manager of circle office commercial Karachi East Mr. Nadeem Hussain and regional head Ms. Tooba Leghari and Regional operation manager Syed Hassan Tahir Naqvi)

I would request your kind authority to please enquiry said matter from bank official and bring them to justices and award relief to lower staff unnecessarily dragged into matter and are being punished by their powers invested by MCB Bank Ltd authorities and whereas MCB Bank Ltd President and Chairman are quite and doing nothing against corrupt bank higher authorities. I would request your kind authority to review my request on actual facts and register complain against culprit bank higher authorities and awarded justice to me and 03 other staff being punished without any trial and deprived from human rights and employment contract.

I have enclosed herewith all the documents so far pertain to case for your perusal. These includes miss fit charge sheets pre-designed drama of impartial inquiry, in fact they already have decided to ruined my life by forceful termination from bank service and awarding me career suicide and other evidences for ready reference.

Regards,

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Date 03rd July,2013

To,

The Director General,

Anti-corruption,

Head Quarters, Islamabad.

REQUEST TO REGISTER COMPLAIN AGAINST MCB BANK LTD CORRUPT HIGHER AUTHORITIES.

Dear Sir,

This is request to you, please register complain against corrupt MCB Bank Ltd circle office commercial Karachi East authorities are involve and they have organized/ pre designed/executed the scam of fraud of Millions of Rupees related to innocent public (bank account holders). They hired a direct sales consultant to generate new to business (new account) to branch under third party employment contract in violation of State Bank of Pakistan rules and regulations. Whereas said culprit DSC Faraz Ahmed Memon had political affiliation and have the car with flag of Pakistan People Party. They took personal benefit /assistance/advantages from said DSC and purposely they are shifting burden of public scam/fraud on lower level staff by considering them escape goat. Whereas they are highly paid and have decades of experience on their hands and very intelligently committed white collar crime of Million and instead they are deceiving government tax authorities by taking tax shield by reporting it as loss (write off) and also taking insurance claim from companies also owned by same owner. Currently involved higher bank authorities (Business Head Sindh & Baluchistan, General Manager of circle office commercial Karachi East Mr. Nadeem Hussain and regional head Ms. Tooba Leghari and Regional operation manager Syed Hassan Tahir Naqvi)

I have enclosed herewith all the documents so far pertain to case for your perusal. These includes miss fit charge sheets predesigned drama of impartial inquiry, in fact they already have decided to ruined my life by forceful termination from bank service and awarding me career suicide and other evidences for ready reference.

Regards,

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Date 03rd July,2013

To,

The Director General,

Federal Investigation Agency,

Head Quarters, Islamabad.

REQUEST TO REGISTER COMPLAIN AGAINST MCB BANK LTD CORRUPT OFFICERS.

Dear Sir,

Regards,

Federal Investigation Agency Letter to MCB Bank Ltd president for fraud inquiry against corrupt Bank Officials

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To, Date 03rd July,2013

The Governor,

State Bank of Pakistan,

New Building, I.I.Chundrigar Road, Karachi

REQUEST TO REGISTER COMPLAIN AGAINST MCB BANK LTD CORRUPT OFFICERS.

Dear Sir,

Regards,

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To, Date 03rd July, 2013

The Chief Justice of Pakistan,

Supreme Court of Pakistan

Islamabad.

REQUEST TO TAKE SUOMOTO ACTION AGAINST MCB BANK LTD CORRUPT HIGHER AUTHORITIES.

Dear Sir,

Supreme Court letter to Muslim Commercial Bank Ltd President for inquiry in this matter and report submission

Muslim Commercial Bank Ltd legal department summoned me and threaten for bad consequence for life by Mr. Khalid , in fact same fraud gang memeber least of chain replied for the supreme court inquiry and asked for time, where as all the investigation were already completed and matter was referred to FIA to register bogus FIR that FIA refused they channelized their connection and bribe but inspector shahbaz was honest and worthy men in FIA solute him for his honesty and dedication with work.

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To,

The Chairman, 02/07/2013

MCB Bank Ltd, MCB House,

Lahore.

WHISTLE BLOW AND COMPLAIN (REMINDER 1)

I am writing you again, because I did not received any acknowledgment from your office till day, it seems my whistle blow & complain dated 11th June, 2013 was turned to dustbin and in return Circle office Commercial Karachi east start punishing me even harder along with Audit team south and they delivered me message that “ we are ready and we are un touchable and we don’t report to president” it seem they are uncontrollable and are mafia with in themselves.

Instead and after the whistle blow on dated 11 june,2013 , Circle office commercial Karachi east has issued me another chargesheet in retaliation, and they informed me that “ due to my letter to president and matter could become more legally/professional complicated” General Manager Mr. Nadeem Hussain in consultation with BH Mr. Nadeem afzal has resigned from his position quietly under plea bargain with BH to conceal and to runway from case and to conceal his involvement already briefed to you earlier. Whole machinery of CBBG and audit team south Mr. Mustafa/ Mr. Musharaf/Mir Arshad are helping GM/BH to cover up their wrong doings easly. Please do not accept his resignation and until all enquires are done from him and not release him from bank and he must be brought to justice.

Further reporting you that COCKE has issued me supplementary letter of charge # COCKE/DISP/MISC/135 dated 10th June, 2013 and it was handed over to me on dated 19th June 2013, in continuation of pervious letter of charge reference no COCKE/DISP/MISC/32 dated February 18th 2013 for same subject matter. I already submitted in writing a brief /self-explanatory evidently strong justification to COCKE for kind consideration & perusal, unfortunately GM Mr. Nadeem Hussain was not satisfied with said justification and order an impartial enquiry and same was conducted on dated 26th March,2013 on time 10.00 am at Khayaban-e-Saadi 1451 branch. That impartial enquiry team was not impartial enquiry team i.e comprising of Mr. Kamal Ahmed Khan (COCKE compliance officer) representing management and Mr. Imtiaz Hussain (Compliance officer of city circle) impartial member with clear instruction to endorse band of brother’s decision.

In supplementary letter of charge with detail above captioned, once again puppet audit enquiry team with same prejudice and influenced/favored awarding attitude has blamed me for wrong doings of other staff and concealed the actual facts and mis-reported/mis-projected me under undue charges that are in contradiction of audit report, consequently it raised many doubts on credibility of audit report and role of an impartial auditor. It seems number of charges are un-necessarily increased to put un-due pressure on me directly affecting my psychological health and to making me de-moral with words “ acts of serious irregularities , gross negligence’s , gross mis handling amounting to Malafide intentions on your part during the posting in Khayaban-e-Saadi, Karachi.”

Let me clarify and inform you that said fraud as per audit finding is executed/committed by MCB Gizri branch and by its staff that includes Branch Manager posted during that time as captain of the ship (Mrs. Samina memon & G.M.Kashif ) and operation manager Mr. Usman Shaikh validating and authorizing 31 disputed transaction and Mr. Raheel (EOC ID 30801) general Banking officer. through fake Fund Transfer Application-FTA (SF 100) by directly online debiting Khayaban-e-saadi customer’s account without any approval from ROM/ parent Branch for Fund Transfer Application in violation of operation manual, instead they never verified/compared the fake signature of verifying officer along with fake stamps from their IBS book they might have stopped fraud on spot, unfortunately IBS (inter branch signature) available in their branch is not properly updated and does not have sticker of my IBS # 10328 and signature does not have any resemblances. This Show that said transactions is executed under trust of under trust /undue pressure/ in collusion with said DSC. Khayaban-e-Saadi branch during my tenor did not ever refer any customer to other nearest branches for their banking service’s needs; instead nearest branches refuses to entertain other branch customer and in return request customer to visit their own/ parent branch having said that, in normal banking practice branches do not entertain online funds transfer on simple fund transfer application without approval of ROM or any other competent authority.

This also to bring in your kind notice that major three branch’s orderly Clifton Branch where DSC faraz was maintaining his first salary account and then Khayaban-e-Saadi branch who’s customer were debited directly through online by MCB Gizri Branch from where all fraud activities were planned/organized /initiated, unfortunately all three branches fall under operational reporting line of ROM-south and it is very shocking no charge sheet is issued to him? in fact his name has been removed due to influence of his family member working in audit department south ,very same audit department that is conducting the enquiry of said fraud. If any charge are leveled on any BOM of his region for any negligence same are applicable on him. Why No chargesheet is issued to him? Please refer to precedent of COCKE-ROM-East (Mr. Javed Awan) and double standards of justice by GM/BH, he is not spared and has been charged for the fraud committed by bank staff directly pocket cash of ATM in Malir City Branch.

1. Charge/Allegation No.1

Allegation/charge number one is completely baseless and illogical and shows the desperation of prejudice audit inquiry team, this is for your kind information and record that I am not responsible for the issuance of disputed manual cheque book of Mr. Rafiq (PEP) and no disputed cheques totaling of Rs. 1,785,000/- were ever enchased during my supervision. In-fact it is very appalling and apparent to see un-justice Malafied/influenced/concealing attitude of audit team, it seems they are beyond their limits and acting as puppet to cover up the names/position/ of actual related staffs, it is seems they are not answerable to anyone/ member of management also acting as GOD and seems they do have the authority to spare their favorite chosen staff and show no mercy to staff with no connection/influential powers. They considered them escape goat .Please refer Khayaban-e-Saadi attendance register for the period of issuance of disputed cheque book dated 30th December, 2011 from the ID Mr. Raheel (30801) , further all disputed cheques total amounting Rs. 1,785,000/ were in fact enchased during my mandatory annual leave, it is very crystal clear/ obvious from attendance register I am on mandatory annual leave since 27th December, 2011 as per direction and instruction of ROM (Syed Hassan Tahir Naqvi) till 16th January 2012 (Supporting evidence attendance sheet of Khayaban-e-Saadi for the month of December 2011 enclosed i.e Evidences 1).

15 days Approved leave letter from MCB Bank Ltd instead shifting burden of fraud on staff who was on annual leave

In-fact and in record according to keys movement register manual cheque book are kept under dual lock and keys of BOM and TSS, branch was in practice not to issue manual cheque book to customer until branch manager obtain proper justification in writing form customer and endorses his recommendation and later BOM /TSS approve and authorize issuance of manual cheque book only in physical presence of customer and then TSS handover the manual cheque book to GBO/ Mr. Raheel after proper scrutiny/validation /authorization of cheque book requisition to prepare and deliver manual cheque book to customer as per Bank’s Policy. As per audit findings and forensic opinion it seems signature/hand writing / acknowledgment of manual cheque book is of DSC Faraz Ahmed Memon.

It is already been reported in audit report and consequently Regional Head (Ms. Tooba Faiz legari ) has been charged for out of way transfer of Mr. Raheel to Khayaban-e-Saadi not yet clear upon who’s recommendation. further for your kind information please refer charge sheet issued to GBO/Mr.Raheel that he had issued manual cheque book on dated 30/Dec/2011 (supporting evidence is cheque book issuance report of dated 30.12.2011 enclosed) and continued to facilitated under undue-influences/collaboration to DSC Faraz Ahmed Memon. How Could I am responsible for the issuance of manual cheque book /wrong doings of other staff while I am on mandatory annual leave and never visited branch during my leaves?. Consequently it creates many doubts on the credibility/authenticity/severity of audit team and its investigation and composed audit report. This also shows they are Malafied and are under undue influence / under command/pressure of their family members/sole power /purposefully/discretion have the capacity to destroy the life of innocent staff and their depended families members. I would request your kind authority to please withdraw this charge in view of above citied facts and request to reinvestigate the matter and cross verify the credibility of the audit report and re enquiry the connection/relation of audit members.

Further GBO/Mr.Raheel is still placed in branch working as usual /normally in MCB Bath island branch and numbers of charges affixed on him are very minimum comparative to mine, because his father is ex government servant. Along with this TSS/ Syed Jarar Shah is also placed in same branch and charges affixed on him are also kept minimum due to personal relationship with higher ups. Why I was removed from Branch Managership since September 2012 without any logical /official justification because of GM/RH/ROM personal /races racism/victimizations/ favourtizim/ heatratizem to me? for 07 months and made me rolling stone by transferring me to several branches in punishment and issued instruction to branch manager/BOM to give me tough time & isolation.

Cash withdrawn from customer account in his absences from manual cheque book through forges signature of PPP MNA Mr. Rafiq Jamali from Dadu District Sindh Cheque of Rs. 275,000/-

Cash withdrawn from customer account in his absences from manual cheque book through forges signature of PPP MNA Mr. Rafiq Jamali from Dadu District Sindh Cheque of Rs. 540,000/-

Cash withdrawn from customer account in his absences from manual cheque book through forges signature of PPP MNA Mr. Rafiq Jamali from Dadu District Sindh Cheque of Rs. 550,000/-

Cash withdrawn from customer account in his absences from manual cheque book through forges signature of PPP MNA Mr. Rafiq Jamali from Dadu District Sindh Cheque of Rs. 540,000/-

2. Charge/Allegation No2.

Allegation/second charge is also completely baseless & is in complete contradiction of bank record, you have mistakenly charged me for questioned missing manual cheque book requisition slip (cheque series # 4130301 till 4130350) that was issued by GBO/Mr. Raheel on dated 30.12.2011 into account of Mr.Rafiq Jamali as per information given in audit report, while I was on mandatory annual leave in pursuance of instruction and direction of ROM (Syed Hassan Tahir Naqvi) since 27th December, 2011 till 16 January 2012, for your ready reference copy of Khayaban-e-Saadi permanent staff attendance register for the month of December 2011 is attached for perusal & copy of Cheque Book issuance of dated 30th December,2011 enclosed(evidence No.2). I would request your kind authority to please withdraw this charge in view of above citied facts because said charge is baseless.

I have already made complain to president and to chairman for purposefully/deliberate/with intension/in planning/collaboration/in pack /organized/objectively wrong charge is affixed on me to put me in pressure/hurt my mental health & capacity by unnecessarily dragging me for the incident, while I am on annual leave I have requested them to provide me justice with in organization if deprived will knock the door of justice.

3. Charge /Allegation No 3.

Allegation/charge no 3 is also baseless and audit team has mistakenly shifted the burden to me, please refer the date of customer account opening as it was in the year 2009/2010 since then 4 times in bi-annual or 2 times annually statements were dispatched to customer prior to marking HOLD MAIL , in-fact customer visited branch personally & meet branch manager many times for his banking needs and mostly customer confirm their last transaction and balances from branch manager after the execution of banking transaction and usually branch manager handover statements to them.

Said account was PEP account opened by CPD with-out General Manager /Regional Head/ROM approval soon information provide by Branch manager said account was marked PEP to protect bank reputation and accordingly to be reviewed by compliance department minutely. Said account was tagged to DSC faraz Ahmed memon AOF filled and entertained by then branch manager Mr. Aijaz abro. To mark mail on hold is customer right & choice whereas said customer had a political background / affiliation. Branch was in practice to obtain written request from customer with customer signature and CNIC is attached for validation and later presented to branch manager for his/her approval /authorization and then TSS verifies the signature of customer and affix stamp, and then reroute it to BOM for marking in system, after marking mail on hold said account statements are dispatched to branch to be handed over personally to customer, please refer to customer written complaint in that he has clearly mentioned that then branch manager was in touch with him for confirmation of his account balances time to time , while I was performing my duties as branch manager of MCB Sunset Branch, for your kind information same process was adopted in said customer request and there was defiantly a customer request.

If said request is missing in branch then it is the responsibility of current BM/BOM of Khayaban-e-Saadi to retain the record safely in accordance of SOP as handed over to them at the time of charge handover takeover as per banks policy. Further this is also to remind you that during the tenor of Mr. Aftab sario BOM to whom I gave charge branch was burnt due to electric short-circuit and branch record was burnt /haphazard consequently branch record might be lost/missing during record shifting or branch official are least interested to seriously search the missing customer request. Please refer the case of Mrs. Asma Aftab where her questioned cheque was reported missing later found by branch.

4. Charge /Allegation No 4.

Allegation/charge no 4 does not fit on me, in-fact it pertain to branch manager and GBO/ Mr. Raheel both in collaboration executed the online fund transfer of Rs. 2 million each without intimating BOM and TSS approval and consent purely on sole power/discretion of BM and we are kept a side as by BM and she took the responsibility at her own self and the transaction threshold & limits set by bank were of her limits. Further branch was not in practice to transfer funds on simple Fund Transfer Application-FTA (SF 100) without cheque until unless Branch manager recommendation/ upon guarantee of pre or post-fecto approval from ROM/RH/GM. Beside that RH/ROM pressurize operational staff to support Business side staff under the cliché “operation and its staff are useless and bank will close those branch who are not attaining their annual business targets and not retaining their customer and operational staff will be fired, so always support business staff”.

These to bring in your kind notice with due respect, as I am not criticizing bank or its management, instead pointing out the discrepancy into system to mitigate the operational risk to safe guard the reputation. If transfer of funds are banned / restricted by bank, why outward foreign remittances are debited through Fund Transfer Application-FTA (SF 100)? And Why FTCR/FTDR codes were never locked in system to prevent them being used by unaware/un trained staff? No formal education/training ever made to branch staff by ROM/ROH about the fund transfer policy and procedures.

Further to bring in your kind notice that, in accordance of operational manual December,2010 bank has elaborated new guidelines for the transfer of funds under Fund Transfer Application-FTA (SF 100). To strengthen & secure more/ more authenticate the transaction; please obtain a valid cheque from customer. If customer had a cheque with him then transaction nature will be changed and will fall under internal transfer through code CHQD/CQWI. Please tell me why Fund Transfer Application-FTA (SF 100) facilities are offered to customer and to which customer type of customer.

5. Charge /Allegation No 5.

Charge /Allegation No 5 is not clear and details are missing, so it is not confirm which specificFund Transfer Application-FTA (SF 100) is referred in this charge/allegation to answer it properly and it seems details are purposely concealed so I could not answer and defend myself accordingly.

Branch was in practice not to transfer funds on simple Fund Transfer Application-FTA (SF 100) without cheque in compliance of bank operation manual until & unless Branch manager’s recommendation to facilitate potential customer and to retain them for further Deeping/strengthening business and relationship. No complain made to branch/Bank officials during my span of time, further balance confirmation also obtained from majority of customers. Nothing reported suspicious in that exercise.

Regarding the opinion of hand writing expert report (Asharaf Forensic Home) conclusion extract from first report for your consideration

“I have been asked to examine the questioned signature of “” presented on 12 fund transfer application and compared with admitted specimen signature of to determine whether the questioned signature were genuine or forged ? The questioned signature of compared with his admitted specimen signature and it revealed that questioned signature did not bear identical characteristics with admitted specimen signature of ”.

The non-identical characteristic observed in between the questioned and the specimens of have noted down as my laboratory notes. I have also marked and shown the difference of the traits on the signatures pasted on the photo analysis chart by arrows.

The analysis conducted by me and questioned and the admitted specimens of it has enabled me to conclude that the questioned signature on 12 fund transfer applications were not genuine but forged

This very necessary to mention here that, ROM-south Syed Hassan Tahir Naqvi has past relationship with owner of Ashraf Forensic Home Muhammad Ashraf Malick based in Lahore, where as other questioned documents are sent to “ The Forensic Dept., Criminalistics Division, Garden Road, Near South Head Quarters, Police Line, Karachi , in pursuance to achieve desired manipulated report from Ashraf Forensic Home upon their past relationship (all supporting evidences of relationship and record is available). This is very shocking for me and it is very unfortunate for bank to have misguiding / perpetrator from controlling office who are working in pack and eating the bank from inside-out like termites and making the bank operationally hallow/ misguiding bank and making escape goat of innocent employees, May Allah have no mercy on them and on their family members and will impose his punishment before our very eyes and they will be remembered as sign of Allah mightiness justice.

In first forensic expert report he has categorically denied any resemblances in my signature and quoted them “forged signature”. Therefore ROM-south Syed Hassan Tahir Naqvi approached him again with request to write following lines that are beyond his expert opinion and contains actual manipulation (evidences available). Forensic expert under undue influences of ROM-south personal and family members & wrote manipulated report but still in second report he denied that is no or any resemblances in admitted signature with forged signature appearing on questioned Fund Transfer Application-FTA (SF 100)’s. in fact following lines were order/pressurized by ROM-South (Syed Hassan Tahir Naqvi) and in collaboration of auditor Mir Arshad to be written precisely to black mail and other staff to (evidence available) extract from fake /manipulated report for your consideration and to make it official record of bank and of my statement ( voice of true banker against, corrupt bank officers to safe bank reputation and interest from blacksheeps/behind the curtain perpetrator team).

“It revealed that XXXXXXXXXX had practiced/developed/acquired a different /new formation to the first letter “S” of his signature. The remaining letters of his signature now also labeled “questioned” were not result of any normal formations but mostly the remaining letter could not assume any proper formation but are JUST SCRIBBLING. Such evasive and abnormal movement of the impulsive strokes in the questioned signature/letter/digits fail to provide any clue or similarity with the previously written signature, letter, digits.

Hence it is difficult or rather impossible to pick out identities there is another word similarity often used by quack experts. The word similarities cannot be used here because similarities cannot point out or show individualities the “root” and “basis” if identification.

He cannot take shelter /undue advantage of the technical fault because the human hand and the fingers are not the machine. Variations and dis-similarities can come /creep in the writing process are subject to abnormality-forged intentions.”

Handwriting Expert Opinion for the fabricated allegation by MCB Bank Ltd fraud covering Audit team

I am in consultation with my lawyers and family members for legal action against said corrupt /misguiding/misleading bank staff/ staff personally hand manipulating the bank record due to their power invested by bank and position they are utilizing for personal manipulation use or to file legal suit against bank for malpractice for harassment/mental & psychological hypertension/stress/depression/ undue pressure / constantly victimized on daily basis/ putting staff under isolation/slavery/constant threat to hand over to FIA/ constantly pressuring & blaming for suicide etc. if deprived from justice with in bank and let me assure you I will go publicly for this injustice by bank towards its staff with supporting evidences against such corrupt bank officials.

6. Charge/Allegation No.6

Allegation/charge No 6 is misfit/wrong allegation on me; most of the branches do not entertain other branch customer for their banking needs by simply walking into any branches of the region. infact the discourage and annoyed customer and insist them to go back to your parent branch, for your kind information during my tenor MCB Khayaban-e-Saadi did not refer/diverted any customer to Gizri branch with simple Fund Transfer Application-FTA (SF 100) without cheque by simple affix IBS signature & verifying stamps, whereas Khayaban-e-Saadi branch rarely went offline.

This is for your consideration that Mr. Usman Shaikh BOM of MCB Gizri Branch and GBO/Mr. Raheel along with Branch Manager Mrs. Samina Memon and even before that Mr. G.M Kashif were working in close team, later Gizri BOM Mr. Usman sheikh was dismissed from bank services due to direct fraud committed by him by pocketing funds from dormant account. Said 19 Fund Transfer Application-FTA (SF 100) bearing my fake signature and fake verification stamp were executed by him and GBO Mr. Raheel by directly debiting accounts of Khayaban-e-Saadi customers without verifying my IBS signature and without obtaining online signature /KYC confirmation of customer for questioned 19 Fund Transfer Application-FTA (SF 100) from ROM and Khayaban-e-Saadi branch manager or from BOM. They did not made any efforts to verify my IBS 10328 signature from IBS Book available, unfortunately MCB Gizri Branch does not have IBS sticker affixed in their IBS Book of my IBS No 10328. But Audit team un-necessarily dragging my name & wrote in their final audit report that I have changed my style (My signature/handwriting style were obtained /referred from past bank record no fresh and specific signature were given to audit team so I could change my signature style).

Fabricated Fund Transfer Application From with customer fake signature by MCB Gizri Branch, Did the online transfer of customer funds by cheatin of PPP MNA Mr. Rafiq Jamali of Dadu

Later on GBO/ Raheel past coworker purposely transferred to MCB Khayaban-e-Saadi branch by Regional Head Miss Tooba Faiz Leghari by exercising power beyond her Job descriptions and for that she was charged. Consequently GBO/Raheel helped DSC faraz Ahmed memon during my annual leave (27.12.2011 to 16.01.12) for the issuance of manual cheque book and transfer of funds on Fund Transfer Application-FTA (SF 100).

Let me assure you that , questioned 19 fake Fund Transfer Application-FTA (SF 100) pertain/executed/transferred to MCB Gizri Branch I never authorized it does not have my signature on it (IBS 10XX) and the IBS stamp is also fake to deceive the staff of Gizri Branch to took advantage under pressure or under influence or in collusion by directly online debiting Khayaban-e-Saadi customer. Consequently forensic expert also categorical denied the similarities & genuineness of signature apparent on questioned Fund Transfer Application-FTA (SF 100) and quoted them forged” .no other branch of same region had ever entertained such request on Fund Transfer Application-FTA (SF 100) and there is no other complain from any other branch. Similar fraud also committed personally by ex-branch operation manager Mr. Usman Shaikh under the nose of ex branch Manager Mrs. Samina Memon or XXX Kashif where as High value transaction were reported to circle and compliance and mantas team further continues audit also monitoring the transaction nature also with CTR team, how come all these risk aversion departments did not detect said fraud on time it is a major negligence on risk aversion authorities.

In fact while audit team (Mir Arshad) made several visits of MCB Gizri Branch and examine/inspected all the vouchers and bank record for many months and many times in the fraud committed by Ex BOM Mr. Usman Shaikh by personally directly pocketing amount by frequently activating dormant customer’s accounts he never become suspicious/ never reported other suspicious Fund Transfer Application-FTA (SF 100) available in branch in fact he concealed information to safely escape in minor case before these Fund Transfer Application-FTA (SF 100) claims arrived and sorry to report this ROM of that time never been charged for his negligence. This also to report you that, soon as I submitted my charge sheet reply/ justification copy of this reply will be handed over to him due to his official power/ record retention for next course of action/ no record is safe under his command/control.

In fact, this is also to bring in your kind notice that and to make it official record, during audit enquiry when I was summoned for my statement, ROM guided me every time before meeting with audit team and directed/influenced me and showed me his statements to keep in your mind and do not write anything in contradiction of my statement. Along with this many times Mir Arshad and Musataf both kept me against my will in confinement for late night and under pressure to write my official statement according to yellow paper provide by both of them, I objected their wrong doings/wrong practice both become my anti and warned me “we have the power to destroy your life”, May Allah have mercy on their families/on them for their arrogance/ mighty untouchable powers invested by bank.

7. Charge/Allegation No 7

Allegation/Charge No 7 is misfit on me, upon my transfer on dated 03rd February,2012 I handed over all the files/record in accordance of bank policy and procedure defined in charge handover takeover to charge taking over BOM (Mr. Aftab Sario). In fact i supervised 2009/2010/2011 audit of Khayaban-e-Saadi nothing suspicious found by audit team and record missing /voucher missing reported by them /ROM also in inspected the monthly vouchers regularly nothing reported by them missing.

For your consideration and information branch was burnt during branch manager ship of Mrs. Mehwish Shah and BOM ship of Mr. Aftab Sario and branch record was shifted urgently and become haphazard /missing/ lost or branch staff are not seriously searching the questioned 03 vouchers/record. To divert bank official attention said voucher may be purposely /deliberately/ in scheme are misplaced by current BOM/ROM or GBO Mr. Raheel to make me escape goat to cover up their names and plant doubt on me.

During my tenor 03 branch managers leaded the branch no customer ever complained for embezzlement of funds so far, this reflects questioned 03 transactions are correct and customer has no objection on them so far. Detail of questioned 03 transactions are missing on this charge letter therefore cannot answer it due to lack of details. Majority of bank customer already submitted their balances confirmation certificate to branch/bank. Further it is necessary to mention here that during my tenor 03 Casa incharge /TSS performed their duties and all were experienced and season banks with good/sound bank record of their performances. This is not possible that they ever supported/ entertained DSC faraz request on Fund Transfer Application-FTA (SF 100). Please refer the precedent of GBO XXXXXX Ali Khan transferred from branch upon instruction of RH. (Ms. Tooba Leghari).

It is the responsibility of current BM/BOM of Khayaban-e-Saadi to retain and reorganized the bank record and do not allow any bank official to manipulate the bank record to attain the desired objectives.

8. Charge/Allegation No 8.

Allegation /Charge No.8 is the combination of above citied 7 charges, Hence it is already been justified and evidences are provided for your consideration and perusal to infer at rightful/ justice decision not into influences and pressure of manipulated audit team/circle authorities taking un justified advantage of their official position /entitlement and shifting burden of other staff wrong doing to others.

As per Bank record (copy of MCB Shireen Jinnah branch 1349 permanent staff attendance register), I am regular & punctual staff of branch, I was transferred to said branch with challenge by worthy GM because no manager of region were ready to take charge of that disturbed branch having in very dangers red zone area of Shireen Jinnah colony with customer bad reputation and no control of bank staff over the pathan /annoyed customer. In-fact during my Branch manager ship I used to fill the customer slips and opened record new to business accounts and attained the business targets. As per bank record I am in branch and due to issue of control /law and order situation and other operation issues I rarely visited customer during bank hours to their offices. Beside that said area has bad reputation of law and order.

As per my information & evidences ROM-south Syed Hassan Tapir Naqvi and Auditor Mir Arshad paid many visit of said guest House and persuaded/influenced/convinced/pressurized Mr. Rafiq Anjum (Guest House Receptions/Manager) and in return they will plea-bargain and have mercy /support towards his account transactions. According to audit report Mr. Rafiq Anjum account has also questioned transactions in it and he personally withdrawn cash amount from his own account. His job entitlement does not permit him to have such transactions history in his account and he is close associate of Culprit DSC as reflected from his affiliation & Information provided by him is UN reliable misleading.

According to my sources accused Mr. Rafiq Anjum is not very educated and does not have the capacity to write statement in English, MCB Khayaban-e-Saadi staffs were assigned to write him statement in English and he was pressurized /warned for worst legal consequence by Auditor Mir Arshad and ROM south Syed Hassan Tahir Naqvi. This shows their intention/objective to manipulated bank record for desired objectives.

Job description as branch manager is very responsible/ targeted job, if branch do not attain the monthly/quarterly/semiannual /annual targets are removed or demoted to GBO in punishment. Therefore I used to work hard in branch for improvement of infra-structure/ Deepening of business/ strength business relationship with existing customers/ and start new business relationship generated from reference. Beside that path customer prefer manager available in branch and cordially welcome them in branch and facilitate them. Therefore it is not possible for me to have full day with faraz in guest house & this is false/manipulated statement just to trap me.

There is contradiction in Mr. Rafiq Anjum (Receptions cum manager ) information provided it seems someone from bank side guided him to provided forged information in accordance to ongoing enquiry. If you carefully ready the statement extract for your kind perusal.

“One day before escape of DSC faraz ahmed Memon, he along with yourself () spent the whole day working on laptop at guest house it seems that you prepared fake statement of account holders and some other work on instruction of DSC faraz ahmed memon”

ü I ,Never went to guest House prior dis appears of DSC Faraz Ahmed memon

ü Supporting evidence attendance sheet of MCB Shireen Jinnah permanent staff enclosed for your ready reference with my initial available for presences in branch.

ü I never took laptop to guest house/ in fact do not have any personal laptop.

ü Why on earth someone is planning to disappear after committing fraud would prepare fake statement to present it to whom and for what benefit he will he get. If he has planned to disappear.

In-fact , Circle authorities are involved and provided him safe passage to escape, on dated 28.08.2012 Mr. XXXXArif case was reported to External liability head Mr. Ali Janjua and to Mr. Mujahid by Circle authorities and out of bank settlement was made and one hand written apology letter against said fraud was obtained from culprit DSC Faraz Ahmed Memon under the supervision of BH/GM (evidences available) but matter kept under the table and no restriction were issued to branches to restrict movement of DSC Faraz Ahmed memon. Instead he was purposefully/objectively/planed allowed 15 days leave prior to disappear and he attempted another fraud at MCB Hotel Mehran. Unfortunately controlling authorities were failed to protect bank interest and their decade’s experiences is useless to read con artist actions and plans.

Please investigate and inform higher authorities who were his guarantors in his job? And who hired him and upon who’s recommendations? Why name is was recommend for permanent slot in MCB Bank Ltd and made out of ways efforts? In CBBG who was the weak link/channel and pawn executing his commands? Why I was removed /transferred from MCB Gizri branch managership soon after 15 days after taking charge from Branch manager Mrs. Samina Memon? & upon who’s instructions gave back branch charge? As per Bank record during her tenor Gizri Branch suffered severe reputational damage due fraud and performance not up to assigned quarterly/annual financial targets then why she was not removed from MCB Gizri Branch?. DSC faraz was not performing upto mark why his boss did not issued him warning letter/ transferred him to other branches of same region/ not terminated from Job being on third party contract for business development ?

All these questions are creating doubt in my mind and seems preplanned.

Further this is to bring in your kind notice that, in said fraud there are 08 branches involved directly or indirectly and it is not possible that all branches and their staff combinely committed said fraud with mutual consent.

In fact, in the month of April 2012 Mr. XXXXXXXX made complain to branch authorities, but matter was put in cooled storage and concealed upon whose instruction?

ROM South (Syed Hassan Tahir Naqvi) had evidences/ and email whereas per his information he already initiated GM/RH/BH to take serious action him, after knowing all the information and wrong doings of culprit DSC faraz Ahmed memon all the controlling staff did not took any legal action him/ 3 E Business for series of mistakes. At the end he easily disappeared and meanwhile DSC faraz Ahmed sold his House located in posh area of defense Housing Authority and expensive/luxury vehicle (information of P.S Boat basin, Karachi) under controlling office nose/information.

I would request your kind authority to do justice and must ready carefully my justification in my defense before ordering an impartial enquiry (i.e. is totally one sided) and team composes of Mr. Kamal Khan and Mr. Imtiaz Hussain both are management side/paid/under your kind command & control with readymade & predesign script to prepare one-sided/ex-party enquiry report with recommendation for Dismissal”. I have no trust on said enquiry team and on Mr. Imtiaz Hussain and he must be replaced with Mr. Javed Awan (AVP/ROM city circle) or with Mr. Jabbar Shaikh (AVP/ROM of City circle) both are honest/impartial person.

May Allah have mercy on you and give you courage to do justice with me. I would request you to please withdraw said charges leveled on me in view of above citied facts and restate/restore my self-esteem/professional dignity/position and release my withheld annual bonus and annual increment of the year 2012 and take necessary action against corrupt bank official.

Yours obediently,