Most Canadian banks do not allow international online money transfers, even if they do, they do not exceed a few hundred dollars. Instead of using illegal money transfer arrangements, I have a signed a verbal/ message agreement with the bank that if I send them a signed fax with the required details, they will transfer the money to any overseas account on my behalf. Its a signed and enforceable contract. The problem is every time I send the fax, I have to wait for months to get the money transferred because the verbal/message agreement was found missing from the banks files. I have to send my copy to the bank every time. I do not understand how can a bank not keep signed documents safe and lose them conveniently. To me it seems that banks or bank employees do it just to keep the money in a buffer and take personal advantage from it.

I am attaching a new verbal agreement if you can sign this and mail the original back to me. Also email me a signed copy for now. I was unable to locate the verbal agreement on file left with Harris so will need a new one. Please let me know if any concerns. Thank you Nikhil Tandon | Financial Services Manager | Etobicoke Market BMO Bank of Montreal | 155 Rexdale Blvd, Toronto, ON, M9W 5Z8 (T) 416-744-2957 | (F) 416-744-4251 nikhil.tandon@bmo.com Visit BMO Bank of Montreal online at www.bmo.com

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Take up the matter with the highest authority in the Bank