o commit bank fraud in New Jersey and five other states over a two-year period. Ali Abbas, 38, of Carteret, Habib Majid, 34, of North Brunswick, and Naveed Arif, 42, of the Port Reading section of Woodbridge, were arrested Monday along with Awaise Dar, 32, of Dearborn, Michigan, and Erm Ayaz, 36, of Bayside