AIBOBOU_Aap Ki Awaaz_August 2025 Vol_2

“Bankers United for Growth, Dignity, and Justice”

AAP KI AWAAZ – AUGUST 2025 VOLUME - 2

              "आप की आवाज़ सिर्फ़ शब्दों का जोड़ नहीं, एक ताक़त है जो बदलाव ला सकती है।"

Dear Comrades, 

In the interest of community our strive is to be Vigilant, Vibrant and Vocal.  We have been highlighting the important issues that affects us as  individually  or as a community to the management time to time. Please feel free to share  your feedbacks and suggestions to aibobou.aiboa@gmail.com / OR  contactus.aibobou@gmail.com

	05-09-2025		DEMANDING CLARIFICATION AND ACCOUNTABILITY DELAYED FRAUD REPORTING OF RELIANCE COMMUNICATIONS LTD
	24-08-2025		COMPASSIONATE CONSIDERATION OF TRANSFER EXEMPTION CASE OF SHRI RAVI M., OFFICER, BENGALURU NORTH REGION.
	23-08-2025		ARBITRARY REJECTION OF GENUINE TRANSFER REQUESTS AND ISSUANCE OF THREATS OF DISCIPLINARY ACTION – URGENT NEED FOR COMPASSIONATE AND REASONED APPROACH.
	21-08-2025		REMINDER – ACUTE SHORTAGE OF MANPOWER IN BANKOF BARODA AND ITS SERIOUS IMPLICATIONS.
	18-08-2025		REQUEST FOR ISSUING INSTRUCTIONS RESTRAINING REGIONAL OFFICES FROM CONDUCTING VIDEO CONFERENCES BEYOND OFFICE HOURS
	12-08-2025		URGENT INTERVENTION SOUGHT TO RESTORE ACCESSIBILITY, DIGNITY, AND TRANSPARENCY IN DEALINGS WITH OFFICERS, STAFF, AND RETIREES
	12-08-2025		REVIEW OF TRANSFER GRIEVANCE CASES – EARNEST REQUEST FOR ACTION IN THE SPIRIT OF ASSURED COMMITMENT
	08-08-2025		ADDITIONAL BRIEF TO CLC- NON TRANSPARENT PROMOTION PROCESS – CASE NO B-55 (25)/2025-SI
	06-08-2025		LETTER TO ED – HR UNAUTHORISED EXERCISE OF ADMINISTRATIVE POWERS BY VERTICAL IN-CHARGES IN OFFICIAL LANGUAGE DEPARTMENT – URGENT NEED FOR CLARIFICATION AND ADVISOR
	06-08-2025		IMMEDIATE INTERVENTION SOUGHT AGAINST ARBITRARY MID-ACADEMIC INTER-REGION TRANSFER OF SHRI RAKESH KUMAR SAMTANI, MANAGER
	05-08-2025		DEEP CONCERN REGARDING UNPLANNED IMPLEMENTATION OF MANDATORY LEAVE POLICY – OPERATIONAL DISRUPTION AND STAFF DISTRESS
	05-08-2025		LETTER TO ED- HR, CONCERN REGARDING DEVIATION FROM HR POLICIES IN THE OFFICIAL LANGUAGE DEPARTMENT
	05-08-2025		LETTER TO ZONAL HEAD – JAIPUR -REQUEST FOR IMMEDIATE GUIDELINES TO RESTRICT LATE SITTINGS BEYOND 6:00 PM.
	01-08-2025		PROTEST AGAINST DIRECTION FOR OPENING BRANCHES ON SUNDAY, 3RD AUGUST, 2025 – DENIAL OF WEEKLY HOLIDAY.
	31-07-2025		LETTER TO GM- HRM & DP-GRAVE AND INHUMAN TREATMENT OF OFFICERS IMPLICATED IN IFIL-NATHDWARA CASE – REPEATED APPEALS IGNORED – NEED FOR IMMEDIATE INTERVENTION AND CORRECTIVE ACTION.
	30-07-2025		REPRESENTATION FOR EXTENSION OF CHILD CARE LEAVE AND DEPENDENT CARE LEAVE PROVISIONS TO EMPLOYEES AND OFFICERS IN PUBLIC SECTOR BANKS ON GROUNDS OF PARITY WITH CENTRAL GOVERNMENT EMPLOYEES
	29-07-2025		SENSITISATION OF EXECUTIVES IN HANDLING LEAVE MATTERS – A CALL FOR IMMEDIATE CORRECTIVE ACTION
	28-07-2025		REPRESENTATION SUPPORTING THE REQUEST FOR EXEMPTION FROM IZT 2025–26 – OFFICER: MS. DEEPA DHARMATEJAS (EC NO. 85027).
	28-07-2025		REPRESENTATION TO DFS- FOR REVIEW OF OFFICER TRANSFER POLICY IN LIGHT OF NEP-2020 & NCF-2023 GUIDELINES ON MOTHER TONGUE-BASED EDUCATION FOR CHILDREN
28-07-2025		CONCERN REGARDING EXCLUSION OF SECOND LANGUAGE SYLLABUS HARDSHIP UNDER NEP FROM DFS GUIDELINES & TRANSFER POLICY – REQUEST FOR POLICY INTERVENTION AND REVIEW MECHANISM.
27-07-2025		WHIMSICAL AND ARBITRARY INTRA-REGION TRANSFERS IN LUDHIANA REGION – DEMAND FOR IMMEDIATE INTERVENTION AND CORRECTIVE ACTION.
27-07-2025		A PAINFUL WAKE-UP CALL FOR HRM: IN MEMORY OF COM. SHIV SHANKAR MITRA AND A CALL TO RECLAIM OFFICERS’ DIGNITY, SAFETY & WORK-LIFE BALANCE IN BANK OF BARODA.
25-07-2025		REQUEST FOR ONE-TIME MERIT-BASED REVIEW OF OFFICERS’ TRANSFER GRIEVANCES DISPOSED WITH STEREOTYPED NEGATIVE ORDERS WITHOUT DISCLOSURE OF COMPETENT COMMITTEE’S REASONED DECISIONS OF RECENT EXERCISE
25-07-2025		COMPREHENSIVE COMPENDIUM BLUE PRINT TOWARDS SUSTAINABLE RESOLUTION OF OFFICERS’ ISSUES IN BANK OF BARODA
25-07-2025		REPRESENTATION FOR IMMEDIATE NULLIFICATION OF PERVERSE, ILLEGAL INQUIRY FINDINGS DATED 30.06.2025 AND WITHDRAWAL OF CHARGE SHEET DATED 25.10.2024 AGAINST SHRI R. VASANTH, EC NO. 101997 – IMPERATIVE FOR BANK-WIDE PROCEDURAL COMPLIANCE IN DISCIPLINARY PROCEEDINGS AND DISTINCTION BETWEEN ‘OMISSIONS’ VS ‘COMMISSIONS’
23-07-2025		LETTER TO ZONAL HEAD JAIPUR: REQUEST FOR PUBLICATION OF CADRE-WISE SENIORITY LIST ON LONGEST STAY BASIS FOR IRT TRANSFERS, GRIEVANCE REDRESSAL MECHANISM, AND CONCERNS ON FREQUENT TRANSFERS AND OFFICER WELLBEING.
23-07-2025		OPEN LETTER TO MR PREM MAKKAR- GENERAL SECRETARY AIBOBOA
20-07-2025		EMPLOYEE ASSISTANCE PROGRAM- REALITY CHECK
19-07-2025		DEMAND FOR IMMEDIATE HALT TO 118TH FOUNDATION DAY CELEBaRATIONS IN VIEW OF THE TRAGIC SUICIDE OF COM.SHIV SHANKAR MITRA, CHIEF MANAGER, BARAMATI BRANCH.
19-07-2025		REQUEST FOR JUDICIAL PROBE AND CRIMINAL ACTION  ON ACCOUNTABLE EXECUTIVES OF BANK OF BARODA FOR INSTITUTIONAL INSTIGATION TO SUICIDE OF COM. SHIV SHANKER MITRA, CHIEF MANAGER, BARAMATI BRANCH.
18-07-2025		UNSUSTAINABLE WORKLOAD, UNREGULATED LATE-NIGHT VCS/MEETINGS, TRAGIC CONSEQUENCES & URGENT NEED FOR POLICY INTERVENTION
11-07-2025		ARBITRARY DENIAL OF SICK LEAVE TO OFFICERS DESPITE VALID MEDICAL  CERTIFICATES – IMMEDIATE CORRECTIVE MEASURES REQUESTED
11-07-2025		ENSURING TRANSPARENCY AND INCLUSIVE ENGAGEMENT IN NPS TIER-1 FUND MANAGEMENT – REQUEST FOR CLARIFICATION
11-07-2025		CONCERNS OF POLICY VIOLATION AND ACCOUNTABILITY IN INTER REGION TRANSFERS
11-07-2025		IMPLEMENTATION OF SABBATICAL LEAVE POLICY FOR FEMALE OFFICERS – GRIEVANCE REGARDING ARBITRARY REJECTIONS AND NON-ADHERENCE TO POLICY GUIDELINES.
27-06-2025		REQUEST FOR INVESTIGATION INTO REGULATORY FINES IMPOSED ON BANK OF BARODA BY RBI AND LACK OF ACTION AGAINST RESPONSIBLE OFFICIALS
27-06-2025		UNFORTUNATE, UNAVOIDABLE, AND UNWARRANTED ACCIDENT OF SHRI RAHUL KUMAR PAL, WMS OFFICER – DEMAND TO INITIATE IMMEDIATE ACTION INCLUDING SUSPENSION OF CONCERNED OFFICIALS
23-06-2025		REPRESENTATION ON THE ARBITRARY USE OF EMPANELED DOCTORS FOR SICK LEAVE VERIFICATION
16-06-2025		REQUEST FOR EXTENSION OF ‘RIGHT TO CONSULTATION’ TO ALL INDIA BANK OF BARODA OFFICERS’ UNION (AFFILIATED TO AIBOA).
16-06-2025		REQUEST TO PERMIT RETIRED OFFICERS TO ACT AS DEFENCE REPRESENTATIVES IN DEPARTMENTAL ENQUIRIES
13-06-2025		REMINDER – DEEPENING CONCERN ON HARASSMENT AND SUFFOCATING WORK ATMOSPHERE IN GREATER KOLKATA REGION.
04-06-2025		REQUEST FOR EXAMINATION AND RESOLUTION OF ISSUES CONCERNING SPECIALIST OFFICERS – OFFICIAL LANGUAGE
06-06-2025		URGENT NEED FOR COURSE CORRECTION IN OFFICER MANAGEMENT PRACTICES IN KOLKATA ZONE – REQUEST FOR HRM DEPARTMENT’S INTERVENTION.
10-06-2025		IMPERATIVE POLICY INTERVENTION REGARDING TRADE UNION RIGHTS, TRANSFER FRAMEWORK, AND HR-CONNECT ACCESS FOR SCALE IV OFFICERS.
02-06-2025		PRIMARY MEMBERSHIP OPTION FOR SCALE IV OFFICERS ON BANK’S HRMS PORTAL AND ABSENCE OF POLICY FRAMEWORK FOR THEIR SERVICE CONDITIONS.
01-06-2025		UNFAIR IMPLEMENTATION OF IZT/IRT TRANSFER EXERCISES IN CONTRAVENTION OF DFS GUIDELINES
31-05-2025		LETTER TO DFS- URGENT INTERVENTION REQUESTED – NON-COMPLIANCE BY BANK OF BARODA WITH DFS GUIDELINES
23-05-2025		CONCERN REGARDING REPORTED EX PARTE STAY IN D.B. SPECIAL APPEAL NO. 586/2025 AND CONTINUANCE OF JUDICIAL PROCEEDINGS IN S.B. CIVIL WRIT PETITION NO.13126/2024
23-05-2025		ARBITRARY MIGRATION OF HRMS/HR CONNECT PRIOR TO REPORTING – IN CLEAR VIOLATION OF CLAUSE 13.1 OF IZT POLICY AND INTERIM JUDICIAL ORDERS IN WP NO. 13126/2024
23-05-2025		STRONG OBJECTION TO UNETHICAL AND UNFAIR LABOUR PRACTICES RELATING TO PROMOTION OF PARTICULAR UNION.
23-05-2025		NECESSITY FOR BROKERAGE REIMBURSEMENT ON SECOND ACCOMMODATION DUE TO PRACTICAL CONSTRAINTS ARISING FROM IRT/IZT TRANSFERS.
22-05-2025		LETTER TO ZH- KOLKATA- SERIOUS CONCERNS REGARDING TRANSPARENCY AND FAIRNESS IN IZT EXERCISE – REQUEST FOR CLARIFICATION IN TERMS OF DFS GUIDELINES DATED 26.11.2024  - WMS BRIGADE
22-05-2025		POLICY INCONSISTENCIES IN INTER-ZONAL TRANSFERS UNDER IZT POLICY DATED 01.02.2024 AND 24.04.2025 — URGING IMMEDIATE REVIEW IN LIGHT OF DFS GUIDELINES
21-05-2025		LETTER TO ED- REPRESENTATION-CUM-NOTICE REGARDING CONTINUED VIOLATIONS OF DFS GUIDELINES, JUDICIAL DIRECTIONS, AND CLAUSE 14.3 OF IZT POLICY DATED 24.04.2025 — URGENT ATTENTION SOLICITED.
17-05-2025		LETTER TO MD & CEO URGENT CONCERN REGARDING VIOLATION OF HON’BLE HIGH COURT INTERIM ORDER IN WRIT PETITION NO. 13126/2024 (IZT POLICY) – REQUEST FOR IMMEDIATE CORRECTIVE ACTION
17-05-2025		INTERIM ORDER OF HON’BLE RAJASTHAN HIGH COURT DATED 16.05.2025 – FORCIBLE RELIEF OF OFFICERS AND SUDDEN RESTRICTION ON MEMBERSHIP OPTIONS ON HR CONNECT
17-05-2025		EXTENSION OF INTERIM PROTECTION TO ADDITIONAL MEMBERS – URGENT INTERVENTION SOLICITED. WITH REFERENCE TO INTERIM ORDER DATED 16.05.2025 PASSED BY HON’BLE RAJASTHAN HIGH COURT, JAIPUR BENCH IN S.B. CIVIL WRIT PETITION NO. 13126/2024
09-05-2025		LETTER TO MD & CEO- APPEAL TO DEFER IMPLEMENTATION OF INTERZONAL TRANSFER RELIEVING ORDERS DATED 17.05.2025 – MATTER PENDING BEFORE RAJASTHAN HIGH COURT & SERIOUS NATIONAL SECURITY CONCERNS.
30-04-2025		IMMEDIATE RECTIFICATION SOUGHT ON ARBITRARY AND COERCIVE CONDITIONS IN IZT EXEMPTION PROCESS VIA HRMS – DEMAND FOR WITHDRAWAL AND NULLIFICATION OF COMPELLED INPUTS.
05-05-2025		INITIATING PROBE INTO THE FINANCIAL AND REPUTATION LOSS OF OUR DEAR BANK, THROUGH PUBLIC PUNITIVE MEASURES OF RBI.
29-04-2025		LETTER TO GM HR - SUBMISSION OF MODIFICATIONS SUGGESTED BY OUR UNION ON THE REVISED TRANSFER POLICY DATED 24.04.2025
28-04-2025		SERIOUS CONCERN REGARDING TAMPERING WITH DIGITAL RECORDS ON HRMS (HR-CONNECT) AND ISSUES RELATED TO THE REVISED TRANSFER POLICY (IZT FY 2025-26
26-04-2025		LETTER TO AIBOBOA- PREM MAKKAR- URGENT CONCERNS REGARDING TRANSFER POLICY ISSUES, MANAGEMENT’S ARBITRARY CONDUCT, AND THE ROLE OF RECOGNIZED ASSOCIATION!
15-04-2025		CONCERNING INADEQUATE OFFICER RECRUITMENT AND UNJUST WORKLOAD DISTRIBUTION ACROSS THE BANK
15-04-2025		WHY IS BANK OF BARODA EVADING TRANSPARENCY WHEN PUNJAB NATIONAL BANK IS LEADING BY EXAMPLE?
07-04-2025		INACCESSIBILITY OF HRMS FOR SUBMISSION OF ANNUAL MEDICAL HEALTH CHECK-UP CLAIMS CONDUCTED ON 31ST MARCH 2025 – REQUEST FOR INTERVENTION.
31-03-2025		URGENT FOLLOW-UP ON REVISION OF TRANSFER POLICY AS PER DFS GUIDELINE
28-03-2025		REMINDER ON REVISION OF TRANSFER POLICY AS PER DFS GUIDELINES
28-03-2025		URGENT CONCERN REGARDING INSTRUCTIONS FOR OPENING BRANCHES ON HOLIDAYS FOR CAMPAIGN
24-03-2025		INDIA FIRST LIFE INSURANCE – PENNYWISE…POUND FOOLISH: UNWARRANTED PRESSURE ON OFFICERS & EMERGING CONCERNS INCLUDING FRAUD PERPETRATION
14-03-2025		URGENT NEED FOR OVERHAULING DISCIPLINARY PROCEEDINGS – ANOMALIES AND SUGGESTIONS.
14-03-2025		REVISION OF TRANSFER POLICY AS PER DFS GUIDELINES
07-03-2025		CONCERNS OVER THE LEGALITY AND ETHICALITY OF PUBLIC SECTOR BANKS SELLING INSURANCE AND MUTUAL FUND PRODUCTS
04-03-2025		PERSISTENT NON-TRANSPARENCY AND ANOMALIES IN THE BANK’S PROMOTION EXERCISE – LEGAL & ORGANIZATIONAL STANDPOINT.
07-02-2025		IMMEDIATE REVOCATION OF THE PROLONGED SUSPENSION OF SHRI BUKYA NAIK DHARANI
01-02-2025		URGENT REQUEST FOR CHANGE OF INQUIRY AUTHORITY AND ENSURING A FAIR & IMPARTIAL INQUIRY PROCESS- NATHDWARA CASE
22-01-2025		MISAPPLICATION OF RIGOUR POLICY IN PROMOTIONS CONTRAVENING DISCIPLINE AND APPEAL REGULATIONS
05-01-2025		REQUEST FOR PUBLICATION OF PROMOTION WRITTEN TEST RESULTS WITH DETAILED MARKS SECURED BY CANDIDATES
03-12-2024		TRANSPARENCY AND FAIRNESS IN THE PROMOTION EXERCISE
13-12-2024		TRANSFER POLICY OF OFFICERS- CHANGES - AS ADVISED BY DFS.
17-10-2024		LETTER TO MD & CEO- CHECK –OFF FACILITY
28-09-2024		CIRCULAR ON VICTORY TO GET RELIED FROM IN0HUMANE TRANSFERS
28-09-2024		REQUEST FOR INTRODUCTION OF ACCOUNTABILITY POLICY FOR HR PROFESSIONALS AND TOP EXECUTIVES
27-09- 2024		DELINKING OF RAJBHASHA OFFICERS FROM OTHER ASSIGNMENTS
27-09- 2024		CONCERNS REGARDING BGSS GRANT FINACLE ACCESS AND HANDLING GRIEVANCE REDRESSAL
23-09- 2024		UPDATE ON CONCILIATION PROCEEDINGS WITH THE CHIEF LABOUR COMMISSIONER
13-06-2024		CONCERNS REGARDING RECENT IZT TRANSFER POLICY AND OTHER HR ISSUES AND UNREST IS MASS BECAUSE OF UNPROFESSIONAL HR APPROACH
23-05-2024		CONCERNS REGARDING RECENT CHANGES IN FINACLE MENU OPERATIONS (R-MENU).
19-05-2024		CONCERNS REGARDING BRANCH ACCESS GRANTED TO AGENTS OF INDIA FIRST LIFE INSURANCE
17-05-2024		SYSTEMATIC EROSION OF FAIR INQUIRY PROCEDURES
15-05-2024		CLARIFICATION REGARDING DESIGNATION AND DUTIES OF 'JOINT MANAGER'.
07-05-2024		UNILATERAL AND DETRIMENTAL BC SUPERVISOR RECRUITMENT
25-04-2024		URGENT APPEAL FOR COLLABORATIVE REVISION OF UNFAIR TRANSFER POLICY
24-04-2024		LETTER TO MD & CEO- REMINDER - URGENT ACTION NEEDED: REVISE UNFAIR TRANSFER POLICY
23-04-2024		REMINDER -- PAYMENT OF INCREMENTS FOR COMPLETION OF JAIIB & CAIIB EXAMINATIONS.
23-04-2024		PROTECTING BANK OF BARODA'S REPUTATION AND FINANCES
21-04-2024		URGENT APPEAL - REVISE UNFAIR TRANSFER POLICY (FOLLOWING UP ON OUR FEBRUARY 15TH LETTER)
20-04-2024		REMINDER: CRITICAL REVIEW OF MANPOWER SHORTAGE IN BANK OF BARODA BRANCHES (FOLL`OW-UP  LETTER)
19-04-2024		REVIEW OF GRIEVIENCE REDRESSAL MECHANISM- BARODA SAMADHAAN PORTAL   https://drive.google.com/file/d/1WiLXGNLlHuDJ8_-Q7s7QeX 5EpPe0TbC/view?usp=drive_link
18-04-2024		REVISION OF STAFF HOUSING LOAN LIMITS.
16-04-2024		DEEP CONCERN REGARDING CHANGE OF BANK LOGO
11-04-2024		REPERCUSSIONS OF LOGIN DAYS/ MAHA LOGIN DAYS, STAFF PRESSURES, AND GOLD LOAN PORTFOLIO  SCRUTINY
11-04-2024		OBJECTION TO NON TRANSPARENT PROMOTION EXERCISE RESULTS
31-03-2024		PAYMENT OF INCREMENTS FOR COMPLETION OF JAIIB & CAIIB EXAMINATIONS
28-03-2024		LETTER TO CGM HR- TRANSPARENCY IN UPCOMING TRANSFER EXERCISE.
28-03-2024		TRANSPARENCY IN PROMOTION EXERCISE - DISCLOSURE OF MARKS AND APPRAISAL SCORES
22-03-2024		STAFFING SHORTAGES AND EXPLOITATION OF EMPLOYEES
15-02-2024		REVISIT TRANSFER POLICY- WE DEMAND
12-02-2024		REQUEST FOR PUBLISHING OF WRITTEN TEST MARKS IN THE FORM A CIRCULAR SO AS TO ENABLE  TRANSPARENCY IN PROMOTION PROCESS.
08-02-2024		REQUEST TO INITIATE ACTION AND TO FIX ACCOUNTABILITY AGAINST THE PERSONS RESPONSIBLE FOR  FINES/ PENALTIES IMPOSED BY RBI ON OUR BANK
07-02-2024		GOLD LOAN SCAM_ROOT CAUSE ANALYSIS_IMPACTS OF LOGIN DAYS & MAHA LOGIN DAYS
28-11-2023		REQUEST TO DO AWAY WITH WHATSAPP COMMUNICATION BY CONTROLLING OFFICES WITH THEIR  SUBORDINATES.
26-11-2023		REQUEST TO RECOVER FINES/PENALTIES IMPOSED ON BANK FROM RESPONSIBLE PERSONS AND FIX  ACCOUNTABILITY
21-11-2023		REVIEWING OF MIS SELLING OF THIRD PARTY PRODUCTS ESPECIALLY THE INSURANCE PRODUCT INDIA  FIRST LIFE INSURANCE. REQUEST FOR DELINKING OF INSURANCE FROM EMPLOYEES.
14-11-2023		1306 BRANCHES ARE RUNNING WITH SINGLE CLERK. DIRE AND EMERGENT NEED FOR  STAFF RECRUITMENT IN OUR BANK.
09-11-2023		REQUEST TO MAKE ADEQUATE STAFF RECRUITMENT IN ALL CADRES TO MITIGATE THEIR SUFFERINGS WHO  CONTRIBUTED TO INCREASE OF 62 % GROSS PROFIT AND 51.8% NET PROFIT FOR THE HALF YEAR ENDING  30TH SEPTEMBER 2023 ON YOY BASIS
02-11-2023		REQUEST TO STOP THE CHAOS BEING CREATED BY ORAL INSTRUCTIONS OF CONTROLLING OFFICES TO  RECOVER INCENTIVES PAID TO STAFF FOR BOB WORLD ACTIVATION
26-10-2023		REQUEST TO PASS NECESSARY INSTRUCTIONS TO CONTROLLING OFFICES NOT TO SUBJECT THE FIELD FUNCTIONARIES AT BRANCHES TO RESORT UNETHICAL PRACTICES TO REACH  UNPRECEDENTED EXHORBITANT TARGETS.
20-10-2023		REQUEST TO AVOID UNWARRANTED AND HASTY SUSPENSION OF LOWER CATEGORY OFFICERS IN BOB  WORLD ISSUE LEAVING THE BOSSES IN HIGHER CATEGORY WHO ARE THE REAL CULPRITS AND  MASTERMINDS IN BRINGING WORLD WIDE DISREPUTATION TO BOB.