I have known Mr. Nazmus Sakib Ul Islam since he joined bKash Limited on 16th January 2019. Mr. Islam worked in Regulatory & Corporate Affairs (R&CA) Department as an Officer, specialising in regulatory and strategic relationship management. Throughout his time in bKash, he had worked with utmost sincerity and enthusiasm. Mr. Sakib had been managing projects, and he managed a good number of projects from regulatory perspectives. He remained thorough with the various circulars, guidelines, policies and law of the land to make sure that the feedback he provided on FinTech products and services to the stakeholders are compliant with the country’s regulations. He also remained in constant touch with regulatory personnel in order to stay updated about new policies and instructions. His background combined with his eagerness towards policy research helped the department to ensure regulatory compliance of the technological solutions being used by the organization. Mr. Sakib was also responsible for analysing technological products to assess possible regulatory risks as well as propose feasible solutions to such risks. He possesses the ability of simplifying and hence, clearly explaining how a technological solution would function, to individuals who do not have a background in technology. He would coordinate and update cross-functional teams along with relevant internal and external stakeholders regarding the progress/challenges of projects from regulatory point-of-view. Mr. Sakib took great pleasure in sharing knowledge with his team members so that everyone remained aligned with updated information. His approachable nature created engaging environment when he conducted knowledge sharing sessions. He took great interest in constantly reading materials related to policy and latest technology used in the financial sector. He would also discuss technology related information, which is not necessarily related with his projects, with the team members. Rapport building skills enabled Mr. Sakib to maintain good relationship with cross-functional teams and strategic associates, which had been quite beneficial in resolving new product/service related issues. He worked directly with regulatory personnel when bKash produced its eKYC-based customer registration system. He visited the field with the regulator to collect data for assessing technological soundness of the system. He liaised with banks and financial institutions when bKash’s Digital Loans product was being prepared. He worked relentlessly with Ant Financial, Alibaba Group for implementing Distributed Ledger Technology (DLT) to enhance the experience of receiving foreign inward remittance in bKash wallets, as well as to increase operational efficiency. In other words, Mr. Sakib had been thorough with his projects and able to manage multiple projects at a time. I am sure that Mr. Sakib would be able to contribute positively to any organization. I wish him every success in his days to come. You may

I have known Mr. Nazmus Sakib Ul Islam since he joined bKash Limited on 16th January 2019. Mr. Islam worked in Regulatory & Corporate Affairs (R&CA) Department as an Officer, specialising in regulatory and strategic relationship management. Throughout his time in bKash, he had worked with utmost sincerity and enthusiasm. Mr. Sakib had been managing projects, and he managed a good number of projects from regulatory perspectives. He remained thorough with the various circulars, guidelines, policies and law of the land to make sure that the feedback he provided on FinTech products and services to the stakeholders are compliant with the country’s regulations. He also remained in constant touch with regulatory personnel in order to stay updated about new policies and instructions. His background combined with his eagerness towards policy research helped the department to ensure regulatory compliance of the technological solutions being used by the organization. Mr. Sakib was also responsible for analysing technological products to assess possible regulatory risks as well as propose feasible solutions to such risks. He possesses the ability of simplifying and hence, clearly explaining how a technological solution would function, to individuals who do not have a background in technology. He would coordinate and update cross-functional teams along with relevant internal and external stakeholders regarding the progress/challenges of projects from regulatory point-of-view. Mr. Sakib took great pleasure in sharing knowledge with his team members so that everyone remained aligned with updated information. His approachable nature created engaging environment when he conducted knowledge sharing sessions. He took great interest in constantly reading materials related to policy and latest technology used in the financial sector. He would also discuss technology related information, which is not necessarily related with his projects, with the team members. Rapport building skills enabled Mr. Sakib to maintain good relationship with cross-functional teams and strategic associates, which had been quite beneficial in resolving new product/service related issues. He worked directly with regulatory personnel when bKash produced its eKYC-based customer registration system. He visited the field with the regulator to collect data for assessing technological soundness of the system. He liaised with banks and financial institutions when bKash’s Digital Loans product was being prepared. He worked relentlessly with Ant Financial, Alibaba Group for implementing Distributed Ledger Technology (DLT) to enhance the experience of receiving foreign inward remittance in bKash wallets, as well as to increase operational efficiency. In other words, Mr. Sakib had been thorough with his projects and able to manage multiple projects at a time. I am sure that Mr. Sakib would be able to contribute positively to any organization. I wish him every success in his days to come. You may

I have known Mr. Nazmus Sakib Ul Islam since he joined bKash Limited on 16th January 2019. Mr. Islam worked in Regulatory & Corporate Affairs (R&CA) Department as an Officer, specialising in regulatory and strategic relationship management. Throughout his time in bKash, he had worked with utmost sincerity and enthusiasm. Mr. Sakib had been managing projects, and he managed a good number of projects from regulatory perspectives. He remained thorough with the various circulars, guidelines, policies and law of the land to make sure that the feedback he provided on FinTech products and services to the stakeholders are compliant with the country’s regulations. He also remained in constant touch with regulatory personnel in order to stay updated about new policies and instructions. His background combined with his eagerness towards policy research helped the department to ensure regulatory compliance of the technological solutions being used by the organization. Mr. Sakib was also responsible for analysing technological products to assess possible regulatory risks as well as propose feasible solutions to such risks. He possesses the ability of simplifying and hence, clearly explaining how a technological solution would function, to individuals who do not have a background in technology. He would coordinate and update cross-functional teams along with relevant internal and external stakeholders regarding the progress/challenges of projects from regulatory point-of-view. Mr. Sakib took great pleasure in sharing knowledge with his team members so that everyone remained aligned with updated information. His approachable nature created engaging environment when he conducted knowledge sharing sessions. He took great interest in constantly reading materials related to policy and latest technology used in the financial sector. He would also discuss technology related information, which is not necessarily related with his projects, with the team members. Rapport building skills enabled Mr. Sakib to maintain good relationship with cross-functional teams and strategic associates, which had been quite beneficial in resolving new product/service related issues. He worked directly with regulatory personnel when bKash produced its eKYC-based customer registration system. He visited the field with the regulator to collect data for assessing technological soundness of the system. He liaised with banks and financial institutions when bKash’s Digital Loans product was being prepared. He worked relentlessly with Ant Financial, Alibaba Group for implementing Distributed Ledger Technology (DLT) to enhance the experience of receiving foreign inward remittance in bKash wallets, as well as to increase operational efficiency. In other words, Mr. Sakib had been thorough with his projects and able to manage multiple projects at a time. I am sure that Mr. Sakib would be able to contribute positively to any organization. I wish him every success in his days to come. You may