Complaint Procedure Solution Assignment No.1 Fall 2019 Consumer Banking (BNK603) The law provides authority to the Banking Mohtasib alone. Hence the complaints handling process is centralized at the Karachi Secretariat. Filing complaints is easy. Mr. Azeem will follow three simple steps: Mr. Azeem will approach his bank in writing to resolve your complaint stating in the letter that you intend to refer the grievance to the Banking Mohtasib if matter is not resolved to your satisfaction. The bank is allowed a maximum of 45 days to resolve your complaint. If you do not receive a reply from the bank within 45 days, or find the reply unsatisfactory, you may file a complaint with the Banking Mohtasib on the prescribed complaint form. Thecomplaintformdulycompleted,signedandattestedbyanOathCommissionershould be attached to your letter of complaint addressed to the Banking Mohtasib and sent to: Banking Mohtasib Pakistan Shaheen Complex 5th floor, M R Kiyani Road Karachi. Mr. Azeem will be required to make sure that all related correspondence with the bank and copies of all relevant documents are also sent to the Banking Mohtasib with an attested Photostat copy of your CNIC duly marked for submission to Banking Mohtasib Pakistan. He is not required to send any original documents. When a complaint is lodged to the Banking Ombudsman, first of all procedural requirements are confirmed and both parties may be required to provide additional information, if necessary. Informal complaints (i.e. walk in, e-mail, copies of letters or via telephone) are resolved by providing procedural guidance to complainant. In case of formal complaints, the banks are formally informed where necessary. Regarding informal complaints, the law allows to entertain only those complaints, which have been filed directly to Banking Ombudsman and made under oath. After confirming that all procedural requirements have been met, we may call for additional information from both parties, if necessary, to better understand the issue. If needed, we will visit banks to examine their books, procedures and processes relating to a complaint. The outcome of this will be either: a) Complaint is found to be unjustified - in such cases we will inform the complainant accordingly and close the case. b) Complaint is found to be genuine - in such cases we will institute a process of mediation to achieve an amicable resolution between both parties. If the matter cannot be resolved amicably, we will pass a suitable order asking the bank to rectify the situation or make good the complainant’s loss. Banking Mohtasib will endeavor to resolve most complaints within 2 months. However, depending on complexity, and the state of information and copies of documents provided by the complainant, some complaints could take longer to resolve. Therefore it is all the more important that the Complainant completes the Complaint Form with clarity and attaches copies of all the related documents in the first instance. The Right to Appeal The law provides the right to appeal to parties, the complainant and the bank. A complainant, dissatisfied with the decision of Banking Ombudsman, has the right to appeal to the Governor SBP within 30 days from the date of order of the Ombudsman. Moreover, a complainant, dissatisfied with the decision of SBP, has also been given the right to go to a court of law. However, the Ombudsman’s decision would be final, operative and binding upon the bank, if no appeal is filed or SBP does not uphold the appeal. Guidelines for Standardization of ATM Operations ATM is among the most important e-banking delivery channels in Pakistan. It is becoming increasingly popular, as it facilitates accountholders to withdraw fast cash anytime, inquire balance, and transfer funds throughout the year. The SBP has issued separate guidelines for all the commercial banks and switch operators in order to curtail any inconvenience to the users of ATM services. The guidelines require the banks having ATMs to: Carry out cash balancing and reconciliation on every working day at the time fixed by their Head Office, other than the peak hours. According to the guidelines, a process of “automatic credit” is to be carried out on the basis of verified individual transactions in which a customer’s account has been debited without any cash disbursement. Moreover, the process of “automatic credit” is to be completed within the timeframe ranging from one to seven business days, depending on the manner of execution of transaction by a cardholder of a bank. In order to facilitate the customers and meet the objectives of the ATM, banks are also required to develop a detailed documented procedure for automatic credit and carry out training of relevant staff members. The guidelines necessitate Card Facilitation Centre (CFC) in every bank. CFC is a unit responsible for managing e-banking channels and maintaining database of cases (resolved/unresolved) of its own customers and balance in suspense account. In this regard, every branch ought to report to CFC the details of claims settled, outstanding claims andbalancesuspenseaccountondailybasis,to enablequickresponseofqueries. It is mandatory for all the banks to identify at least two key personnel of CFC, who would be responsible for responding to the queries of customers, and their contact details are to be made available on website of the bank. Furthermore, customer must be informed in writing about the amount credited to his/her account by the issuing bank. Besides, the customers are not to be charged for minimum balance when their account has been debited without cash disbursement and time for which the amount remains payable. For providing secondary evidence to satisfy the customer against cash claims, banks are required to install external camera in ATM cabins in a way that PIN may not be captured. Moreover, the guidelines obligate all banks to report details regarding the nature of transactions (automatic credit, claims processed or outstanding balance (suspense ATM cash), and total number and amount of actual transactions to the SBP’s Payment Systems Department (PSD). In addition, every bank is required to develop a numbering sequence for complaints and every complainant is to be issued a reference number.

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Solution Idea File

@zareen said in MTH404 Assignment 2 Solution and Discussion: A particle of mass 3 kg moves under the force F in xy-plane such that at any time its polar coordinates are given by . Find the radial and transverse components of Force. MARKS 10 https://youtu.be/nFSMu3bxXVA https://youtu.be/HFdeHX_wA4k

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@zareen said in BIF604 Assignment 1 Solution and Discussion: What you have learnt in basics of Bioinformatics. Also enlist and discuss the tools software and methods you have studied till now. Sample Assignment 1-Go to the NCBI database [image: 8iyTuWN.png] Open NCBI [image: vSScPmh.png] Select Protein database from here [image: cPlfT4h.png] Enter the name of your candidate gene (a gene, which you want to work upon) [image: SyhaQV5.png] Enter the name of your candidate gene (a gene, which you want to work upon) Enter it-> it will give you a list of all possible sequence datasets available related to the your gene (protein) [image: xWbG74G.png] Open it and then you can see the full sequence with all desired information in the first line. [image: VB67Hg5.png] Click on the BLAST icon present at the top of right menu ORyou can copy the sequence and open BLAST -> Protein to Protein (blastp) and past the sequence in input section. [image: 9Enn30a.png] [image: 96hqkg3.png] Then select Protein date bank database as reference [image: VJ1b4DA.png] Then Click on the BLAST Icon [image: MltWFgm.png] It might take some seconds [image: KJ4Vy0v.png] It will show a page like this [image: mi4DwBt.png] At the lower part of the pageyou will see a list of reference sequence of protein structure which our sequence has been mapped upon. Where at the right side different columns are giving the information about the identity, Query coverage and Accession ID etc [image: 6ITvTl5.png] At the lower part of the pageyou will see a list of reference sequence of protein structure which our sequence has been mapped upon. Where at the right side different columns are giving the information about the identity, Query coverage and Accession ID etc From here click the Accession IDs of top three references one by one and It will lead you to the following page for each time for each reference. [image: lA8tqRB.png] From here get the Complete information like accession number, Locus, Coding region etc. of the three references one by one and make a table. Then go back to the first page where you found your first sequence from. [image: RLdqOB1.png] From the above page see the right top encircled area it will give you the information about the orthologs of the Human Gene. Past the sequences of the same genes extracted from those three orthologs. At the end enlist all the databases tools software which you will have used.

Ideas Solution BIF501_Assignemt_01_Sloution_Fall_2019.pdf