Director Deutsche Bank Wealth Mana ernent PAS.S.-1573,-.1u PeAdbiqn From: Melinda Roy Sent: Monday, March 21, 2016 11:17 AM To: Armen Brash Cc: Jj Litchford; 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: Litchford; Stewart Qldfield Subject: RE: Account ME Overdraft for 8 days- ACTION REQUIRED [I] 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 Armen Brash Director Deutsche Bank Wealth Management CONFIDENTIAL - PURSUANT TO FED. R. CRIM. P. 6(e) DB-SDNY-0047933 CONFIDENTIAL SDNY_GM_00194117 EFTA01359802