Dear Sir/ Madam, To briefly introduce myself, I am Senior Chartered Accountant – (FCA) (Institute of Chartered Accountants of Pakistan) by profession with post qualification experience of more than 10 years and overall experience in the field of audit / compliance / risk for more than seventeen (17) years. I am also a ‘Certified Internal Auditor’ from the Institute of Internal Auditors, USA. Most recently the BoD has assigned the task to establish a full documented Risk Management Department of the bank besides heading the Risk Management and Compliance Department. However, since October 2007 worked as Head of Audit & Compliance Department of the Pak Oman microfinance Bank Limited, Pakistan, where successfully established the whole Internal Audit and Compliance Department from scratch. Besides successfully discharging from core audit and compliance responsibilities assist Audit Committee in conducting Quarterly Board Audit Committee (BAC) Meetings being secretary of the Audit Committee. Prior to joining Pak Oman Group, served Audit Group of Habib Bank Limited, Pakistan for around six years. During my affiliation with the bank, I have conducted audit of various Corporate and Commercial branches (domestic as well as international) and management audits of almost all controlling functions of the bank including Human Resource and Finance & Accounts department etc. Prior to Habib bank Limited served as Manager Audit of First Credit & Investment Bank Ltd. ( Formerly First Credit & Discount Corporation) Besides statutory audit of various banking, manufacturing and trading industries, I have also performed a number of consultancy and investigation assignments with my Chartered Accountant firm (details of which can be seen in the attached detailed CV). Thanks in anticipation. Best Regards, Kashif Ahmed Siddiqui FCA -CIA