From: Melinda Roy Sent: 3/22/2016 9:28:19 AM To: Hemant-Kumar Rathore CC: 0versi ; Stewart 0ldfield Subject: RE: OD REFERRALS ( 03-21-2016 ) A/c ft [IJ Classification: For Internal use only Why is there still an overdraft in this account? The debit should have been reversed that was causing the overdraft. From: Hemant-Kumar Rathore Sent: Tuesday, March 22, 2016 9:26 AM To: J Litchford• Melinda Ro Cc: Subject: OD REFERRALS ( 03-21-2016 ) # Classification: For Internal use only Hi Team, ; Oversight Control; Debra Jasper [II Please find the attached OD Referral for today and approve these with your decision hand-written on the OD referral form with two signatures (mandatory). Please provide the below information on the form — • Ok to pay / Not Ok to pay, • Charge / Waive OD fee decision, and • Reason on how and when the OD will be covered. Thanks, With regards, Hemant-Kumar Rathore Hemant-Kumar Rathore DBOI Global Services Private Limited COO Wealth Management Operations ginierwirri+efban roup E-mail ID CONFIDENTIAL - PURSUANT TO FED. R. CRIM. P. 6(e) DB-SDNY-0047895 CONFIDENTIAL SDNY_GM_00194079 EFTA01359774