Best, Armen fcid:[email protected] Armen Brash Director Deutsche Bank Wealth Management 345 Park Avenue, 10154-0004 New York, NY, USA Tel. Fax Mobile Email fcid:[email protected] From: Melinda Roy Sent: Monday, March 21, 2016 11:17 AM To: Armen Brash Cc: Jj Litchford; St field Subject: RE: Account Overdraft for 8 days- ACTION REQUIRED [I] Classification: For internal use only Thank you. Sorry for the confusion. JJ is coming in this afternoon to take care of it. From: Armen Brash Sent: Monday, March 21, 2016 11:16 AM To: Melinda Roy Cc: Jj Litchford; Stewart Oldfield Subject: RE: Account Overdraft for 8 days- ACTION REQUIRED [I] EFTA01463010

Classification: For internal use only Fee waiver approved... Last week—I sent the below email to Paul: "Paul This account is still open...it hasn't been closed yet. Is the transaction that overdrew the account a good transaction? If so, it should be covered from the new account, and then the account should be closed. If the transaction that overdrew it was fraudulent, then the fraud procedures need to be followed so we can grant a provisional credit, then the account should be closed once the investigation is complete and the credit is made final (or assets recovered)."" Best, Armen fcid:[email protected] Armen Brash Director Deutsche Bank Wealth Management 345 Park Avenue, 10154-0004 New Tel. Fax Mobile Email EFTA01463011