THE STATE FINANCIAL ENTERPRISES LIMITED Corporate Office, “Bhadratha”, Thrissur – 680 020

Ref.No: 1100 Date: 08.07.2004 CIRCULAR NO: 85 /2004 (RR)

Sub:- Cheating the Company - Multiple liability created by Smt. K.S. Remadevi at our various Branches - Reg. Ref:- Regional Manager, . letter No. ER/1229/2004/SR dt. 16.06.2004. ****** Vide letter cited the Regional Manager, Ernakulam has reported that Smt. K.S. Remadevi has created multiple liabilities at our various branches under Ernakulam Region and suspected similar liabilities in other regions also. The modus operandi adopted by her as understood is to get enrolled in our schemes in her binamis name and procure loans, prize money etc. under their name after arranging the sureties; the actual beneficiary being herself. In all such transactions, she rarely comes into the picture. A list of such RR cases detected under SDT (RR) related to her is shown as under:- Sl. Name& address of Name & Address of A/c No. RR File No. Branch No Loanee surety 1 B. Pradeep Kumar 1.T.J.Antony,Keltron, Keltron Control Controls, Aroor 2. Antony Varghese Keltron Conttols, NCL-814 1465/99 Alappuzha II Aroor 3 A.N. Pankajakshan Keltron Controls, Aroor 2 Bhagya Lakshmy 1. Murali.S P.C, Keltron Control Prasanna Vilas Aroor Chitty 1627/99 Alappuzha II 2 Pradeep Kumar 24/95 – 45 Keltron Controls, Aroor 3 K.G. Ponnan 1 V.K. Raju S/o Gopalan 2 P.S. Laisamma Karathara (H) 3 Pradeep Kumar NCL – 666 1696/00 Alappuzha II Kumbalanghi Vill. 4 T.J. Baby 1 Sobhana K N Thekkeveliyil Keltron Controls Kalavankodam 2 Raju NCL-822 2015/00 Alappuzha II Keltron Controls, Aroor 5 P.C. Bhagya Lakshmy 1. K.S Remadevi Ram Nivas Keltron Controls P.O 2 K Mangaian NCL-1030 2245/01 Alappuzha I HSA Govt. BHS TPNRA 6 P.C. Ramkumar 1 N Santhosh Kumar Ram Nivas KSBX (TVM) Kuthiathode Anjali, Kodamthura NCL-1013 2246/01 Alappuzha I Kuthiathode 2 B Pradeep Kumar Keltron Controls Punnasseril Pattanakkady CTL 7 K.S. Remadevi 1 T.U Baby, Asst Manager Keltron Controls Keltron controls Aroor NCL-1068 ALP/2247/01-02 Alappuzha I 2 N Santhosh Kumar KSBC 8 P.N. Damodaran B Pradeep Kumar Kayipurath (H) Keltron Controls HP 3839 2302 Alappuzha I S.N. Puram CTL

In the above circumstances, the Unit Managers are directed to provide details of such cases related to Smt. K.S. Remadevi if any in any of our schemes and comply the following with immediate effect, so as to take precautionary steps to guard against her future binami dealings.

No:1 Not to accept the above persons as subscriber/loanee/Hirer/surety/ Guarantor to any of the schemes of the Company in future. No: 2 The amount payable or outstanding to the credit of the above individuals by way of unpaid prize money/RSC/FD/Sugama Deposit etc need to be freezed and reported back to H.O. immediately for appropriation towards pending dues. No: 3 Immediate recovery action should be initiated against the loanee and sureties in respect of all their accounts, if not done earlier, under intimation to H.O.

Moreover the necessary details of liability already created by the above individual in the capacity as loanee/surety should be furnished to H.O. on or before 30th July 2004 as per the format below:-

STATEMENT OF ARREAR DUES & FL AS ON 31.07.2004 RELATED TO Smt. K.S. REMADEVI A/c. Name and Name and Total Cases Present Other No: Address of Address of amount of referred to stage of relevant Loanee surety/ Dues as on RR with recovery details if Guarantor 31.07.2004 Date & RR any. file No:

For THE KERALA STATE FINANCIAL ENTERPRISES LIMITED

M.K.KARTHIKEYAN MANAGING DIRECTOR

To:- 1. All Unit Heads 2. All SDT Officers Copy to:- 1. All Regional Managers 4. P A to MD 2. All IAD Teams 5. Circular File. 3. All Department Heads in H.O.