Regional Office Peshawar Compliance Wing The Regional Head RO/PSWR/CW/ National Bank of Pakistan 31.05.

2011 Regional Office Peshawar Dear Sit, NBP Nowshera Cantt Branch-Daily Review of Compliance Function Our Compliance officer posted at the branch has pointed some exceptions in Account Opening Forms. Detail is provided hereunder for your information and necessary action. Accoun t Numbe r 6001-8 Natu re of A/c CA Title of Account Moan Amir zaib Nature of Exception

Dated

6002-7 6004-5 CA CA DCO RHA infrastructure A/C DCO RHA (infrastructure )

Initial deposit not mentioned on AOF. Rubber stamp bearing narration that certifies opening of Account after meeting KYC pre-requisite has not been stamped on Account Opening Form. (As required under Checklist in Know Your Customer Policy) Detail of other bank A/C not provided. Source of income not established & recorded Copy of valid CNIC of the applicant attested by gazette officer or bank official not obtained.

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6005-4

CA

DCO mitigation

6042-9 CA Shagufta 6041-0 CA Tauseef Ali

6038-5

CA

PCO private fund A/C 319 signal

6036-7 6035-8 6034-9 6032-1

CA CA CA CA

Noor Hussain Abdul Razzaq Razia usman Shah Private fund A/C 319 signal Co.

Proper authorization from the concerned authority to open and operate the A/C not obtained. Copies of all relevant documents required for various types of customers as mentioned in Account Opening Form have not been obtained and attached with Account Opening Form. Customer is maintaining more than one A/C in particular category. i.e, PLS, CA, NIDA Deduction of Service charges no option ticked. Document required checklist no option ticked. Letter of thanks not dispatched. NADRA verification not obtained. Purpose of A/C not mentioned. Source of funds not obtained. Exempted from service charges while reason not mentioned. Usual mode of transaction no option ticked. AOF not properly filled in, several columns left blank. A/C Opened without permission of Operations Manager. NADRA verification not obtained. Photocopy of CNIC of Authorized person not obtained. Detail of authorized person i.e., CNIC NO, father name, designation not mentioned. NADRA verification not obtained. NOK contact no not obtained. NADRA verification not obtained. NADRA verification not obtained. AOF not properly filled in, several columns left blank.

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6031-2

CA

Public Fund A/C 319 signal

6030-3

CA

Akbar Ali

6028-7

CA

Nor daraz

NADRA verification not obtained. Customer profile (KYC) completely left blank. A/C operating instruction Authority to operate the A/C no option ticked. Source of fund - no option ticked. KYC profile completely left blank. Having gold finance while not exempted from service charges. Title of A/C not mentioned on AOF. KYC profile -- several columns left blank. i.e. purpose of A/C, source of funds, usual mode of transaction etc

Moreover Letter of thanks not dispatched to the above A/Cs and Separate checklist as per president instruction not being attached with all A/Cs.

Yours truly, (Saminulla Khan) Regional Compliance Officer

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HP G61007TU

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HP Pavilion DV6-6010TX Intel CoreTM i5-2410M 15.6 inch 2GB 500GB (7200RPM) yes yes yes

HP Pavilion DV6-6011TX

Intel Intel CoreTM i3-CoreTM i52310M 2410M 15.6 inch 15.6 inch 2GB 320GB yes yes yes 2GB 500GB yes yes yes

HP Compaq Presario CQ11006L Intel CoreTM Intel Atom D410 i5-2630QM 15.6 inch 4GB 640GB yes yes yes 18.5" inch 1GB 320GB yes No No

RAM (DDR3, 1 DM) 2GB HDD (5400RPM FX320GB SATA) SuperMulti DVD RW Light Scribe 6 Cell Battery Bluetooth yes yes yes

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Wifi Webcam MIC Graphics Card Windows7 Premium

yes yes yes No

yes yes yes No No

yes yes yes No No

yes yes yes 1GB Yes

yes yes yes 1GB Yes

No No No No No

HomeNo

Market price Down Payment For 3 months For 6 months For 12 months For 18 months For 24 months

59,440 8,917 16,843 8,421 4,585 3,336 2,741

59,440 8,917 16,843 8,421 4,585 3,336 2,741

64,330 9,650 18,228 9,114 4,962 3,610 2,966

91,000 13,650 25,783 12,892 7,019 5,107 4,196

102,110 15,317 28,931 14,466 7,876 5,730 4,708

44,330 6,650 12,561 6,281 3,419 2,488 2,044

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