Correspondence

Dear reader, there are about 100 'files' that I really would like you to read through. The trouble is that there are perhaps 5,000 pages involved. How can I convey to you the Truth about what this bank has been up to ? How can I show to you what it is that I have done to try my very best to expose the Truth, and to Prosecute ? I have zipped ? coded ? the 'files' and they are available for you to read, should you so desire. I can send to you the contents of any of the below listed 'files', or even a part, or parts, of any of these files, should you so desire. Kindly let me know. Thank you. These are some of the most important 'files' with the number of pages and with a selected few extracts :

Just ten 'files' that I have taken 'extracts' from. (The complete 'files' are available for inspection):

FirstRand (455 pages) :
FRL AGM 2006 (118) :
FRL AGM 2009 (193) :
FRL Directors (106) :
"GT" Ferreira (16) :
Deloittes (26) :
PricewaterhouseCoopers (23) :
Deneys Reitz (63) :
Estate Agents Affairs Board (226)
Arbitration (8) and (34) and (93) and (182) and (156) :
Magistrate Mrs H Raath (10) + there are a further several hundred pages in earlier files :

Other main 'files' that are available for inspection are :

Competition Commission (34) : Bar Council (34) : Society of Advocates (64) : Minister of Finance (32) + there are a further several hundred pages in earlier files; Minister of Justice (39) : Minister Trade and Industries (26) : + there are a further several hundred pages in earlier files; Minister Safety and Security (38) : Public Prosecutor (49) : Public Prosecutor Pta. (6) : Discovery (20) : FRL Special Consultant Mr Donald Millwood (24) : Ombudsman Banking Services (79) : Financial Services Board (29) : Johannesburg Stock Exchange (101) : Registrar of Banks (42) : Public Accounts and Auditors Board/IRBA (67) + there are a further several hundred pages in earlier files; SA Inst. of CA's (169) : Assoc. of CA's (9) : + there are a further several hundred pages in earlier files; SA Inst. of Sects. (67) : Business against Crime (82) : Banking Assoc. of SA (52) : Inst. of Directors (44) : Bus. Leadership SA (16) + there are a further several hundred pages in earlier files; Reg. of High Court (12) : noseweek (54) : News Media 1 (244) : News Media 2 (102) : SAPS (17) and (39) and (10) and (32) and (1) : Scorpions (16) : SARS (7) :

'file' named - FirstRand (455 pages)

: (extract)
  • To "EXPUNGE" the LIES (his word), "Replace the LIES with the Truth" (my words) in the permanent Records of this Public Company.
  • To bring all the Crime and all the LIES before an Arbitrator to see "who is Right and who is wrong" - not just the totally wrongly stated Police Cases.
  • To Prosecute Criminals who have committed Crime, based on the known endorsement by all the Directors and fully supported by the agents (Auditors and lawyers of FRL) contained in the Annual Reports of FRL for the years 2001, 2002, 2003, 2004, 2005, and I am sure in previous years as well, and in the Code of Banking Practice, to which most of the above named parties say they subscribe.

The FRL Chairman's stated desire is my own stated commitment - so surely we can, working together for good, achieve our common goal. ____________

(extract) 2.1 The contents of the correspondence has not been denied.

2.1.1 The same is True of correspondence addressed to the agents of FRL/FRbHL/FNb, including lawyers Deneys Reitz/Robert Driman, Deloitte and Touche and PricewaterhouseCoopers Inc.
2.2 I have requested your Company Secretary to table all this correspondence, including the correspondence to your agents and the other named parties at the top of this letter, for inclusion and for discussion at the 2007 AGM of FRL. I have already recorded that it is all extremely relevant to the proceedings and to the Objections which I intend to be raising at the next FRL AGM. Thank you.
2.3 I here request that your Company Secretary also table this letter, for the same reasons as are set out in points 1.2 and 1.3 of my letter 31/5/07 and 2.2 above. Thank you.


3. I further wish to place on record the following :
3.1 On the 11/6/07 I finally (after being made to come back about 6 times) and after being made to go through 4 prior 'drafts', was handed a copy of the 'final' Minutes of the 2006 AGM of FRL, signed by the Chairman GT "ge-tuned" Ferreira dated 5/6/07 (which is over seven months after the AGM took place).
3.1.1 I place on record that these 'final' Minutes are False Minutes and also omit relevant information and facts which are of material particular.
3.1.1.1 I would only have to refer the above named parties to the following facts, Information and Objections which are already known to them all :

  1. The Information (pages 1 to 25) and the Objections (pages 26 to 54) set out in my letter 23/11/06 which was handed to the Chairman and to the Company Secretary has been ignored, but should have been reflected in these Minutes. Even the date of my letter 23/11/06 Information (pages 1 to 25) is still wrongly recorded in the 'final' Minutes as 23 October 2006. So the Company Secretary and the Directors are still, after 4 'drafts', playing around with dates and quoting a wrong letter to try to 'bamboozle' and to hide the Truth.
  2. The threat of murder against me by Director Dippenaar and the 'scoffing' by Director Dr. van zyl Slabbert, and the joking and the laughter by the other Directors present has not been recorded in the transcript or in the Minutes. These dangerous and nasty remarks have been intentionally omitted to give a False impression in the minutes. The Truth of what was said, and of the way that I was threatened by this man, scoffed at and laughed at by the Directors is set out in my letter 23/11/07 which I hand-delivered to FRL on the 27/11/06. The Truth is further set out in a Statement to the SAPS dated 27/11/2006 under Police Case No. 753/11/2006.
  3. It is very significant that nothing that I recorded as the Truth about this threat on my life by this Director Dippenaar has ever been denied.
  4. The transcript (and therefore the Minutes) is False and things said at the Meeting have been omitted from the transcript. In my letter 7/12/06 I have recorded the Truth. It is to be noted that FRL refuse to allow me to listen to the tape recording of the AGM, but have denied nothing that I have recorded.
  5. The Chairman's use of the word "EXPUNGE". I have at all times asked for the LIES to be removed from the permanent records of this Public Company and replaced with the Truth. It was the Chairman who used the word "EXPUNGE" when he promised to have wrong information contained in the Minutes replaced with correct information. I have this in writing (including the use of the word expunge by the Chairman) Details of the Crime and the LIES are recorded in writing which the Chairman asked for and which I supplied to him personally at a meeting on the 23/2/2005. My letters 23/2/05 and my letter 11/12/06 have been ignored, yet they contain the information needed to remove the LIES from the permanent records of this Public Company and to replace them with the Truth, or to use the Chairman's word - "EXPUNGE" them.
  6. What is False and what has been omitted in the 'final' Minutes. I have set out this information in my letters 23/11/07 (delivered 27/11/06), 7/12/06 transcript, 11/12/06 x 2, 18/12/06 detailed, 26/1/07, 31/1/07, 2/4/07, 23/5/07, 31/5/07, 1/6/07, 6/6/07.
3.1.1.2 I wish to direct the Directors' attention to the final "detail" which must be corrected, for the Minutes to be a True reflection of the contents of the 2006 AGM of FRL, aside from the above : I It is more than simply "personal grievances" that I raise, year after year at FRL AGM's 2001, 2003, 2004, 2005, 2006.
  • It is Crime - including Theft, Fraud exceeding R 100,000-00 known to the Directors, Mis-representation of the Truth, "undue influence", Duress, Coercion, Defamation of Character, Threats of physical violence, (including murder), of 'Conspiracy', of 'Corruption' (including Bribery), of 'Defeating the Ends of Justice'/the Directors, CA's, Co. Secretaries First Rand Limited/ FRbHL/FNb, their agents and others.
  • It is LIES told by Directors of this Public Company to Members of the General Public, to their Shareholders and to the News Media present - AGM's 2001, 2002, 2003, 2004, 2005, 2006;
  • It is False Minutes of Public Meetings 2001, 2002, 2003, 2004, 2005, 2006; breaches of the Companies Act.
  • It is Unanswered queries, questions, requests for information, in terms of the Companies Act.
    1. I voted against Resolutions 1, 2, 4. Why does the count show : Against - NIL shares. Where is my vote against (X) registered ?
    2. The changing of the wording " . these issues were dealt with .." From " .. These issues were rectified . at the 2005 AGM .. " on the 2nd page of the notes under the heading NOTE REGARDING ME HARRIS. The Crime, and the LIES to try in desperation to cover- over the Crime, have by no means been "dealt with". They sure have not been "rectified" - i. e. "EXPUNGED" (GT "ge-tuned" Ferreira's word) or "Removed and replaced with the Truth" (my words)
  • Police Case 43/4/1999 is not dealing with a Nissan 4 x 4 ! It is dealing with Fraud and related Crime.
  • Police Case 280/04/1999 is not dealing with an unlicensed fire-arm ! It is dealing with Fraud and related Crime.
  • Police Case 1567/01/2001 is not dealing with a Road Traffic Sign ! It is dealing with Fraud and related Crime.
  • Police Case OB 115/09.2003 is dealing with Bribery, Corruption, Fraud and related Crime.
  • The other LIES are set out in my letter 23/2/2005 handed to the Chairman at a meeting where he attended to understand the Crime and to know exactly what are the LIES that must be removed and replaced with the Truth. Which he agreed to do. Then at the 2005 AGM of FRL he and his Company Secretary agreed to "EXPUNGE" his LIES, at least in regard to the intentionally wrongly quoted Police Cases - where he tried to first blame me, then he tried to blame the Police and finally he agreed to "EXPUNGE" his LIES. I have it in writing. It has not been done.
  1. I did not return the dividend cheque for R 31-28. I still have it in my possession. It is wrong to state in the 'final' Minutes that FRL has this cheque. I decided, rather than returning it, to hold on to it, as proof of money coming from Criminal Activity , and to approach the Police with this cheque. Now recently I see that Dippenaar and his co-Directors are still involved in the "Ansbacher Scandal" in this type of Crime, which now even includes Organised Crime, Money Laundering and so on, so I see that I did the Right thing. I will approach the Police with this cheque shortly. This is now aside from the Crime and the LIES already set out herein; in previous correspondence; at the 2001, 2003, 2004, 2005, 2006 FRL AGM's etc. I will approach the Police with this cheque under the Prevention of Organised Crime Act in a separate Police Case, but linked to the other about 17 Police Cases, so far, where the nexus is the apparent belief by these Directors of this bank/Public Company that they are above the Law of the Land. They are not above the Law of the Land just because they think they are, or because they have got away with all their known Crime and LIES in the past, for too long.
  2. The Mazlen Trust was not Sequestrated. In the 1st and the 2nd 'drafts' of the Minutes it does not appear. Then suddenly in the 3rd 'draft' this malicious and Defamatory statement occurs ! Why ? Where did it come from ? It must be "EXPUNGED" - these new LIES. I want a written withdrawal and apology. All of the Rights of The Mazlen Trust are fully reserved following this malicious and damaging inclusion of further known False information (LIES) in these Minutes.
  3. If my so-called 'behaviour' has "disrupted" any FRL AGM (which I deny) it is because the Directors and Auditors decided to make the 'forum' FRL AGM's for telling their filthy rotten LIES, to try, in their desperation, to cover-over known Crime exceeding R 100,000-00 (known to all the Directors of this bank/Public Company) and to cover-over know Organised Crime e. g. The "Ansbacher Scandal" and the "Maharaj Scandal". I was not prepared to be LIED about at Public Meetings, and I was not prepared for my wife, my family and The Mazlen Trust to be LIED about, and for these LIES to become a permanent part of the Records of a Public Company. When I begged the Directors, and their agents (in writing, again and again) and at FRL AGM's, and at a meeting with this man GT "ge-tuned" Ferreira and his Company Secretary Arnott, to stop with the LIES, all I got were threats and more LIES - even with new LIES to try to cover- over their earlier LIES. Then too, this Chairman, this GT "ge-tuned" Ferreira, told me I could raise my Objections under General, so I accepted. Then when it came to General he said I had 30 seconds. When I was upset - he said I had 20 seconds. Then he declared the AGM closed. All his co-Directors thought he was so clever, they roared with laughter and approval. At the following AGM I decided to raise my Objections and to state my case at each Resolution, as being the only way I would be heard. That led to this Chairman, this GT "ge-tuned" Ferreira's, next 'tactic' - stop the Meeting and get his body-guards to "throw me out", to remove me from the Meeting and off the property. That was at the 2005 and 2006 AGM's.
  4. What is the "firmer" attitude that the Shareholders of FRL intend at the 2007 AGM ? Is it more "firm" than threatening to have me murdered by Director Dippenaar, with the uncouth, vulgar, Dr vz Slabbert wanting me to see the humour in this threat, and the other Directors finding it ever so funny too ? Kindly advise me so that I will be prepared at the 2007 AGM. Thank you.
  5. I requested a copy of the talk by the BAC representative. Where is it ?
  6. Where, under General are the significant questions I raised and the Objections I set out in my written Objections handed to the Chairman and the Company Secretary dated 23/11/06 i. e. at page 54 points 4.10.4, 4.10.5, 4.10.6 ?

'file' named - FRL AGM 2006 (118) :

Quotes by Ferreira/Arnott to the Meeting - in regard to the LIES, especially the totally wrongly stated Police Case: F "Alright Mr Harris we will take out the wrong Police Cases and details and we will put in the correct details into the permanent Records of this Company."

F "And I probably read it because - to demonstrate that what you had given us was incorrect" (Ferreira's 'story' of why he read the LIES into the permanent Records of this Public Company, when he knew the Truth)

F "We will remove it and we will replace it with any other Police Case that you want to give us. .. And I apologize if that has Defamed you."

F "Mr Harris, you have now heard I have said in front of this audience, we will take them out. We will replace them with whatever else you want us to replace them with (referring here to the LIES about the intentionally wrongly quoted Police Cases)

Arnott : "Mr Harris, before I ask the Chairman to perhaps have you removed from the room .. in this letter here that you've tabled, you've got on page 9 - "This is the True list of Police Cases that must replace the LIES". Is that what you want . would like me to include in the Minutes ?" (reading from my letter 22/11/05 - Information)

H "That and other things. Yes to the Police Cases. Thank you. OK"

H "Can I please have an undertaking from Mr Arnott in front of his Partners/Directors on record that you will put the Truth about the bond for Buccleuch. Remember that one OK. And there are several others Sir, which I hope I will get a chance to high-light. Even a Magistrate has said so. And this man Mr Driman sat in Court when he heard .. . "

Arnott "We consulted with our internal Audit department, they appointed a woman who spent probably 6 weeks at "DR" going through all the correspondence, all the files, all the Deeds, all the cessions, securities, and the actions, Court Orders the rest of it. We came to the same conclusion .."

(nothing wrong - except of course the LIES which Ferreira and Arnott have now at last made a start to remove. Praise the GOOD Lord)

Specifically the LIES about the completely wrong Police Cases to do with your lawyer/now your Advocate :

Your client, Ferreira, said to the AGM on the 22/11/2005 : "..

subsequent to that there were altercations with the bank with the bank's attorneys, which I do not want to go into at this time, but it is still continuing ... "

At the FRL 2001, 2002, 2003, 2004, 2005 AGM of FRL Ferreira LIED that the Police Charges against your lawyer, now your Advocate (used by this bank to Liquidate Clients based on Crime including Fraud exceeding R100,000-00 in more than one instance) were - "Robbery of a cel phone - with fire-arm", whereas Police Case 232/10/2000 Sandton - is Assault - Criminal charges laid against : FNb lawyer : CB McEwan (now an Advocate) Ferreira LIED that the Police Charge against this lawyer was : "Road traffic sign", whereas Police Case 1567/01/2001 Sandton - is Perjury/Defeat ends Justice - Criminal charges laid against : FNb lawyer : CB McEwan (now an Advocate), and others. Ferreira LIED that the Police Charge against this lawyer was : "Standard bank cheque withdrawn", whereas Police Case 1781/02/2001 Hillbrow is Theft, Misrepresentation of the Truth, Fraud - Criminal charges laid against : FNb lawyers : CB McEwan Attorneys, and CB Mc Ewan (now an Advocate), and others. Below is the correct "detail" of the Police Cases. Your one client, Arnott, even asked me and I agreed. Your other client, Ferreira, and your clients, the Directors, were there too and all agreed. The Shareholders were there and they agreed. The meeting was open to the General Public and nobody present dis-agreed. The News Media were there - they can confirm it too Arnott : "Mr Harris, before I ask the Chairman to perhaps have you removed from the room .. in this letter here that you've tabled, you've got on page 9 - "This is the True list of Police Cases that must replace the LIES". Is that what you want . would like me to include in the Minutes ?" (reading from my letter 22/11/05 - Information) H "That and other things. Yes to the Police Cases. Thank you. OK"

I a 43/04/1999 Norwood - Misrepresentation, Fraud - Criminal charges laid against :

FNb lawyers : Smit and Loundes and FNb Advocate : B Masselle. They subsequently rescinded the Judgements which they had earlier obtain by telling LIES to High Court Judges. I b 280/04/1999 Norwood - Misrepresentation and Fraud - Criminal charges laid against : The Directors of ABSA bank and attorneys De Vries Serobe. They subsequently rescinded the Judgement which they had earlier obtain by telling LIES to a High Court Judge.


I,ii,iii 106/07/1998 (3 separate charges) Yeoville/Hillbrow - Theft, Fraud, Mis- representation of the Truth, Duress - Criminal charges laid against : FNb Managers at Rosebank, First National Nominees (Pty) Ltd, Fnbank of Southern Africa Limited, First National Equities (Pty) Ltd. iv. 232/10/2000 Sandton - Assault - Criminal charges laid against : FNb lawyer : CB McEwan (now an Advocate)

v. 1055/12/2000 Hillbrow - Fraud, Mis-representation, Duress - Criminal charges laid against : FRL Directors : GT Ferreira, MW King, LL Dippenaar, VW Bartlett, PK Harris, B H Adams, J A Craig, D M Falck, P M Goss, S R Maharaj, KC Shubane, BJ van der Ross R A Williams, FNb trustees : Directors Westrust (Pty) Ltd, L Cohen, N Bowman, N Klein, AD Pellow, FNb property agent : Dirtectors Property Mart AW Hartard, C Mostert, FNb lawyers : Smit and Loundes, AG Loundes, PH De V Smit, SJ Pratt, CPW Jones, E van der Vyver, AG Anderson, G Wright.
vi. 1567/01/2001 Sandton - Perjury/Defeat ends Justice - Criminal charges laid against : FNb lawyer : CB McEwan (now an Advocate), FNb Liquidator : TW vdHeever, FNb Advocates : J Both, B Masselle and others.
vii. 1781/02/2001 Hillbrow - Theft, Misrepresentation of the Truth, Fraud - Criminal charges laid against : FNb Auditors' : 'front' 'dummy' Company Deloitte and Touche Trust (Pty) Ltd/D&t Trust (Pty) Ltd, Directors V Naidoo, GG Gelink, MD Gibson, SE Laphala, AM Rennie, PWM Reynolds, TW vdHeever, FNb lawyers : CB McEwan Attorneys, and CB Mc Ewan (now an Advocate).
viii. 924/12/2001 Sandton - Mis-representation, Fraud, Defamation - Criminal charges laid against : FRL Directors : GT Ferreira, MW King, LL Dippenaar, VW Bartlett, PK Harris, B H Adams, J A Craig, D M Falck, P M Goss, S R Maharaj, KC Shubane, BJ van der Ross R A Williams. FNb Lead Bankling Partner/Auditor : TW Winterboer and others.
ix. 449/11/2002 Hillbrow - Fraud, Mis-representation, Duress - Criminal charges laid against : FRL Directors : GT Ferreira, MW King, LL Dippenaar, VW Bartlett, PK Harris, B H Adams, D J A Craig, D M Falck, P M Goss, S R Maharaj, M C Ramaphosa, KC Shubane, BJ van der Ross, Dr. F Van zyl Slabbert, RA Williams FNb Directors : all the Directors. FNb Managers : Scheepers, Grobelaar, Loiziokis.
x. OB 115/09/2003 Hillbrow - Bribery, Corruption, Fraud - Criminal charges laid against :
FRL Directors : GT Ferreira, MW King, LL Dippenaar, VW Bartlett, PK Harris, SR Marahaj, B H Adams, D J A Craig, D M Falck, P M Goss, M C Ramaphosa, KC Shubane, BJ van der Ross, Dr. F Van zyl Slabbert, RA Williams
xi. OB 2053/02/2004 Hillbrow - Defamation, Mis-representation, Fraud - Criminal charges laid against : FRL lawyers : Robert Driman and Deneyz Reitz, FRL Direcotrs : GT Ferreira, MW King, LL Dippenaar, VW Bartlett, PK Harris, B H Adams, D J A Craig, D M Falck, P M Goss, M C Ramaphosa, KC Shubane, BJ van der Ross, Dr. F Van zyl Slabbert, RA Williams
xii. OB 2053/02/2004 Hillbrow - Defamation, Intimidation - Criminal charges laid against : FRL Director : PM Goss.
xiii. 211/05/2004 Jhb. Cntrl/OB 346/05/2004 Hillbrow - Misrepresentation of the Truth, Fraud - Criminal charges laid against FRL Directors : GT Ferreira, MW King, LL Dippenaar, VW Bartlett, PK Harris, D J A Craig, D M Falk, P M Goss, NN Gwagwa, G Moloi, KC Shubane, B J van der Ross, Dr. F van Zyl Slabbert, R A Williams.
xiv. 170/05/2004 Morningside/OB 346/05/2004 Hillbrow - Corruption, Conspiracy to Commit Crime, Fraud, Defeating the Ends of Justice, Defamation of Character - Criminal charges laid against FRL Directors : GT Ferreira, MW King, LL Dippenaar, VW Bartlett, PK Harris, D J A Craig, D M Falk, P M Goss, NN Gwagwa, G Moloi, KC Shubane, B J van der Ross, Dr. F van Zyl Slabbert, R A Williams. FNb Managers : J Stott, LC Loizakos, DJ Scheepers, FRL Company Secretaries : P de Beer, AH Arnott, PEJ van Rensberg, FRL Advocates : M Masselle, J Both, CB Mc Ewan, M Olivier, FRL lawyers : R Driman and Directors/Partners Deneys Reitz, FRL Liquidators : TW vd Heever, CHJ Barnard, P Waugh, FRL Auditors : Liquidators : Directors 'front' 'dummy' Company Deloitte and Touche Trust (Pty) Ltd/D&t Trust (Pty) Ltd and Directors GG Gelink, SE Lehapa, V Naidoo, PWM Reynolds, TW vdHeever, FRL trustees : Directors KVR International JHJ van Rensberg, S Roopa, P Waugh, GB Mtshweni, S Deas, FR de Villiers, TK Morris, PH Pfaff, Directors Fidile Trust (Pty) Ltd P Waugh, M Ramanus, trustees P Waugh, G Nell, FRL/FNb Auditors : all the Partners at Deloitte/Deloitte and Touche/ Deloitte and Touche Tohmatsu, FRL Auditors : all the Partners at PricewaterhouseCoopers Inc, FNb Property agents : AW Hartard, C Mostert, Directors of the Public Accountants and Auditors Board : Ms RE Benjamin-Swales, SA Fakie, J van Rooyen, WL Johnson, IA Mamoojee, I Pillay, CR Qually, GK Everingham, S Zilwa, C Koornhof, CF Reid, GL Le Roux, WP Du Plessis, EN Oelofse, Fmtoba, Master of the High Court : L Lategan and DJ Krige.
xv. 450/05/2005 Bramley/OB 1355/05/2005 Sophiatown - Defamation, Mis- representation, Fraud - Criminal charges laid against : FRL Directors : GT Ferreira, MW King, LL Dippenaar, VW Bartlett, PK Harris, D J A Craig, D M Falk, P M Goss, NN Gwagwa, G Moloi, KC Shubane, B J van der Ross, Dr. F van Zyl Slabbert, R A Williams. FNb/FRbL/FRL Company Secretaries : BW Uncer, AH Arnott and others.
Xvi A further Police Case is opened following Fraud and Defamation at the AGM 2005/in the Minutes. The full "detail" of the Crime and the Parties named to the Police in this Police Case will be supplied (tabled) at the 2006 AGM of FRL. If Mr Robert Driman/DR requires the full "detail" sooner, please just ask. Thank you.

5. There are the other LIES which must still also be removed. These full "details" have been supplied to your clients, and these full "details" are tabled (and will be further tabled i. e. the "detail" of the NEW LIES told by Ferreira, like a coward, behind my back, removed from the meeting and the property at the 2005 AGM of FRL) and are (and will become) a permanent part of the Records of this Public Company.

5.1 I ask Mr Robert Driman/DR to look carefully at the Truth, compared to the LIES which I have identified in sufficient "detail" and again I have specifically drawn your clients' attention to them (all the LIES) in my letter 23/10/06 in full "detail". " (this is the end of the "detailed" information concerning the known LIES about the totally wrong Police Cases which I have supplied to the Directors and to their agents, lawyers DR and Auditors PWCI and DTT, and to the Company Secretary)

4.2 The known LIES have not been "dealt with"/"rectified"/"EXPUNGED"/ removed form the permanent Records of this Public Company and replaced with the Truth in terms of the undertaking by the Chairman that they would be. Therefore : 4.2.1 Do not blame me when I raise the LIES at the 2007 AGM of FRL.

4.2.2 Do not get your 'body-guards' to "throw me out" of the 2007 AGM and remove me from the property when these LIES remain, and when I try once again to have them "dealt with"/"rectified"/"EXPUNGED"/ removed form the permanent Records of this Public Company and replaced with the Truth - which is what Chairman Ferreira and the full Board of Directors agreed to do, but they then did not do it, not yet.

4.2.3 Do not get your Director Dippenaar to threaten my life.

4.2.4 Do not get your Director Goss to threaten me with physical violence.

4.2.5 Try to control that rude and uncouth Director van zyl Slabbert with his sarcasm and his demands for me to find it a 'funny' thing when Director Dippenaar threatens my life.

4.3 Kindly advise me, well before-hand, what it is meaning for the Directors to have decided to treat me more "firmly" at the 2007 AGM of FRL. I wish to be prepared.

'file' named - FRL AGM 2009 (193) :

(extract)

Objection (I did in fact read this Objection into the Record at the 2009 AGM of FRL before I was asked to leave the Meeting by the Chairman with the threat that if I did not leave voluntarily he would stop the Meeting and have me physically removed by his "guards") :

"I wish to place an Objection on Record against the Auditors PWCI and the Company Secretary AH Arnott in terms of Section 249, 250, 251, 275, 277, 278, 279, 280, 281, 282, 287, 300 and 301 of the Companies Act. I wish to record a vote of no confidence in the Company Auditors and the Company Secretary. (AH Arnott is on one of the 'lists' of Tax Evaders, Money Launderers etc) My Objection is this :

Where in the Auditor's Report and the Company Secretary's Report is there any reference made to the Illegal 'schemes' designed to 'Round-trip' money, to Launder money, to Evade Tax, to Conspire to Commit Crime, in contravention of The Prevention of Organised Crime Act, 1998 (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA)

Illegal 'schemes' have in the past been 'devised' by the Directors in the full knowledge of the Auditors and the Company Secretary and the Company lawyers. Examples are the 'scheme' to 'Round-trip' money, to Launder money, to Evade Tax, to Conspire to Commit Crime, in contravention of The Prevention of Organised Crime Act, 1998 (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA) - in relation to the 'lists' that are involving FirstRand Limited/FirstRand Bank Limited/FNB/Ansbacher/RMB/Discovery, their Shareholders, their Clients, their Directors, their Managers, their Company Secretaries, their agents such as lawyers and Auditors - involving Tax Evasion, Money-Laundering, Organised Crime, 'Conspiracy', 'Corruption', 'Collusion', Fraud, and so on - and also the RMB/Barry Tannenbaum 'Skulduggery'.

I can see no provision made in the afs for the R 100's of millions in fines that will have to be paid by the Company."


(extract)

I did nothing wrong that caused the Chairman to ask me to leave the Meeting, failing which he would call his 'guards' in to remove me from the Meeting and off the premises. I decided to leave voluntarily because of this threat. I have been threatened with physical violence by Director Goss and with murder by Chairman/then Director Dippenaar at previous FRL AGM's. There are two Police Cases - against Goss and against Dippenaar and others. They are OB 2053/02/2004 Hillbrow and 752/11/2006 Sophiatown. I wanted to spare myself, but also all the people present, from this kind of nasty physicality.

(extract)

Had I not been warned to leave the AGM on the 26/11/09 I would have raised the following Objection, had I been present and if I was permitted to :

"I wish to place an Objection on Record in terms of Section 249, 250 and 251 of the Companies Act. My Objection is this :

In the past Minutes have been altered or Falsified and did not record the Truth of what was said at AGM's that I have attended. It is all very well documented, even with the Registrar of Companies, the Minister of Trade and Industries, the Minister of Finance, the JSE, the Financial Services Board, The Governor/Registrar of Banks, SAICA, CISSA, ACCA, IoD, BASA, OBS, and others. In the event that the Minutes are again Falsified this year I will once again approach these Interested Parties with a formal written Complaint".

I would have also referred to that which I have previously stated and which is in the three 'bundles' of papers which were tabled today. I would have made reference to the yellow 'stickers' that mark places that refer to the Directors in the letter 25/11/09 which I tabled today, which are in conflict with that which the Directors claim in the Directors Report. The same applies to the Company Secretary and his Report. Therefore I would have done the same thing with the Company Secretary's Report.

2. Re-election of directors by way of separate resolutions

1.1 (s/b 2.1 ?) Lauritz Lanser Dippenaar (60)

I would have raised the following Objection, had I been present and if I was permitted to :

"I Object - I on the basis that he has 'conspired to commit a Crime'. He has accepted money made from the proceeds of Organized Crime in that as a Shareholder substantial dividends on his 130,5 million shares (page 54) have been paid to him He has thus involved himself as a Director and as a major Shareholder (holding shares worth R 2,3 Billion) in Illegal 'schemes' 'devised' by the Directors in the full knowledge of the Auditors and the Company Secretary and the Company lawyers. Examples are the 'scheme' to 'Round-trip' money, to Launder money, to Evade Tax, to Conspire to Commit Crime, in contravention of The Prevention of Organised Crime Act, 1998 (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA) - in relation to the 'lists' that are involving FirstRand Limited/FirstRand Bank Limited/FNB/Ansbacher/RMB/ Discovery, their Shareholders, their Clients, their Directors, their Managers, their Company Secretaries, their agents such as lawyers and Auditors - involving Tax Evasion, Money-Laundering, Organised Crime, 'Conspiracy', 'Corruption', 'Collusion', Fraud, and so on - and also the RMB/Barry Tannenbaum 'Skulduggery'.

  1. on the basis that in the past he has agreed to False Minutes and afs's as if they were the Truth when he has known that they are False and when they contained LIES, of which he was aware.
  2. He threatened me with murder in the past.
  3. There are approximately 21 Police Cases that involve him.

1.2 (s/b 2.2 ?) Vivian Wade Bartlett (66) I would have raised the following Objection, had I been present and if I was permitted to : I Object - on the basis that. (similar to 1.1.i and ii above) and iii he was the MD in 1998 when I informed him of all the Theft and Fraud against me and my family and The Mazlen Trust but he did nothing about it. Iv when he was involved with BASA and the OBS he was again informed but he still did nothing about it. 1.3 (s/b 2.3 ?) David John Alister Craig (61) : I would have raised the following Objection, had I been present and if I was permitted to : I Object - on the basis that. (similar to 1.1.i and ii above) 1.4 (s/b 2.4 ?) Ronald Keith Store (66) : I would have raised the following Objection, had I been present and if I was permitted to : I Object - on the basis that ... (similar to 1.1 I and ii above) and iii he was the Chairman of FRL Auditors DTT when he was at the same time a Director of FRL or FRBL so he turned his blind eyes to Fraud. He was the Chairman of the Auditors and he was a Director (still is) of FRL and FRBL when his secret lawyer vdHeever (Theo) is holding his shares so that he could be a party to the Liquidation of Clients of the bank, in secret. SAICA knows. This terrible 'Conflict of Interests'. 1.5 (s/b 2.5 ?) Bernadict James van der Ross (62) : I would have raised the following Objection, had I been present and if I was permitted to : I Object - on the basis that. (similar to 1.1.i and ii above)

3. Election of Directors :

3.1 John Petrus Burger (50) :
I would have raised the following Objection, had I been present and if I was permitted to :
I Object - on the basis that. (similar to 1.1.i and ii above)

4. Ordinary resolution number 1
I would have raised the following Objection, had I been present and if I was permitted to :
Directors Fees I Object - on the basis that this Chairman who wants about R 1 million for the year wont even pay me the R 6,000-00 pm that I worked for for 2 years with his knowledge and consent.

5. Ordinary resolution number 2 Re-appointment of auditors I would have raised the following points and Objection, had I been present and if I was permitted : Similar to what I did earlier raise under 1.Adoption of annual financial statements above. Then I would have also Objected to the way that they had supplied all the LIES at the 2001 FRL AGM. I would have requested them to supply me with their so-called 'Forensic Report/s' as well as to replace their LIES with the Truth and to supply a letter of apology to me and to my family and to The Mazlen Trust.

6. GENERAL : I would have raised the following points and Objections, had I been present and if I was permitted : The promises - to Apologise and to EXPUNGE LIES/replace LIES with the Truth.

1. I would have said to the Meeting that the retired Chairman "GT" Ferreira made promises to me before he retired. He promised to apologise. Ref is at page 7 of the Minutes of the 2008 AGM. I am still waiting. He promised to rectify the Record and to thereby EXPUNGE the LIES/replace the known LIES with the Truth. I and my family and The Mazlen Trust are still waiting. I would have pointed to the "detail" in the letter 25/11/2009 handed in and tabled today and I would have turned to the relevant small yellow 'stickers that are there to 'high- light' this aspect of these promises from the Chairman of FRL.

The promises - to fund/sponsor the anti-crime and rehabilitation campaign known as First CommunityOutreach Centre or FC-OC 2007, a Mazlen initiative. A registered Section 21 Company.

2. I would have said to the Meeting that the retired Chairman "GT" Ferreira promised that FirstRand Group would support the anti-crime and rehabilitation campaign known as First Community Outreach Centre or FC-OC 2007, a Mazlen initiative. A registered Section 21 Company. Then for the next 23 months "GT" and "LL" 'ducked and dived me'. They encouraged me to work full-time for two years with promises, then they won't even pay me my wages. I intended to tell the Meeting - I am here to get my wages. I would have referred to the pages that have a small yellow 'sticker' in my letter 25/11/09. I would have also referred to the extensive correspondence in 'bundle 2' that 'backs-up' what I say are the promises.

3. I would have gone through my letter 25/11/09 which was tabled and I would have referred to the pages that have a small yellow 'sticker'. These are the "issues" that need to be rectified in the permanent Records of this Public Company. I would have told the Meeting that I was in attendance because of all the promises that must still be fulfilled. The 'forum' chosen by the Chairman and the Directors.

4. I would have said to the Meeting that it was at this 'forum' (FRL AGM) especially in 2001 and in 2003 that the LIES took place. It was this 'forum' (FRL AGM) that the Directors chose to try to destroy me and my family and The Mazlen Trust with their filthy rotten LIES. I would have explained that I am back at this 'forum' because the LIES have never been EXPUNGED/replaced with the Truth and the LIES continue even though it is Minuted - the promise, that the LIES will really be EXPUNGED/replaced with the Truth. The incessant LIES continue. Even after it was agreed to EXPUNGED the LIES/replaced the LIES with the Truth, further and new LIES were told at the 2005 and at the 2006 AGM's of FRL. Later they became subtle, the LIES. The LIES now are consisting of making empty and idle promises that go on forever. Incessant LIES. E. g. the promise to EXPUNGE the LIES - it has to this day not been done. E. g. the promise for 23 months to fund/sponsor the anti-crime and rehabilitation campaign known as First Community Outreach Centre or FC-OC 2007, a Mazlen initiative. A registered Section 21 Company. The names on the 'lists'.

5. I would have said that I am here to ask for the names of the trustees on the 'short' list of Big Fish. Ref is the Police Case (tabled) Money in the hands of the Shareholders coming from Organized Crime.

6. I would have asked what % of dividends came from Organised Crime in the period 1998 to 2009 ? The Arbitrator.

7. I would have asked the Chairman ("LL" Dippenaar) and his Board of Directors, in the presence of the Shareholders, to confirm that because the Settlement Agreement 19/11/2007 has been cancelled, I should proceed once more to try my very best to get us an Arbitrator. "LL" knows full well that I had previously been trying to do this, in accordance with the past Chairman's suggestion, supported by the current Company Secretary, AH Arnott. I am now to deal with the new Chairman "LL" Dippenaar and the same Company Secretary "AH" Arnott - two names appearing on at least the one 'list' of Tax Evaders, Money-Launderers, Organised Criminals, 'Conspirators', 'Corrupt persons', 'Collusioners', Fraudsters.

(Kindly come back to me as a matter of URGENCY and tell me your views. If I do not hear from you people by 1st December 2009 I will assume that you agree that I continue to try my very best to get for us an Arbitrator. I intend to do this at the same time that I approach the 500 Interested Parties and the 5,000 Organisations previously mentioned. I will then at the same time include this aspect in my own personal web-site that will be 'up-and-running' quite soon i. e. to get us an Arbitrator. One other thing, "LL", is this - we can ask for the Arbitrator to also arbitrate on the 3rd 'part' of our Settlement Agreement 19/11/2007 whilst he/she arbitrates on the R 60 million odd Damages Claim/s. Please let me know so that I will know how to word my approach to Interested Parties and just how much information I will need to put out in order to properly inform the potential arbitrator what exactly we jointly are wanting him/her to arbitrate on for us. Thank you.) The lawyers from the Judge President/Registrar.

8. I was intending to ask the Chairman and his Board of Directors, in the presence of the Shareholders, to confirm that because the Settlement Agreement 19/11/2007 has been cancelled, I should proceed once more to try my very best to get lawyers to represent us so that we can come before a Judge, as "GT" was quite keen to do. So was/am I. I always have been very keen to come before a Judge. I was going to ask about our Application to waive Prescription 1/6/09 (which has been included for your convenience and also to become a part of the permanent Records of this Public Company at page 48 - 52 of my letter 25/11/09 tabled earlier today) It has proved very hard to get lawyers to represent us, but I am happy to proceed back to the Registrar of the High Court and to re-apply. Kindly come back to me as a matter of URGENCY and tell me your views. If I do not hear from you people by 1st December 2009 I will assume that you agree that I continue to try my very best to get lawyers to represent us so that we come up before a Judge of the High Court. Perhaps with our Settlement Agreement 19/11/07 (cancelled) and the unresolved 3rd 'part' of the Agreement (recorded) it will be easier now for the Registrar to appoint us a lawyer. I am prepared to place a comprehensive Application before the Registrar and before the Judge President to motivate this aspect. Your written support, or even your written comments, on this particular aspect will be appreciated before 1/12/09, so that I can put both sides of this aspect forward in my Application to the Judge President/Registrar. Thank you.

'file' named - FRL Directors (106) :

(extract)

2.1.2 It is vitally important, it is imperative, it is actually conditional, that you especially, "LL", should be associated with this venture, this anti-crime and rehabilitation campaign until the terms of our SETTLEMENT Agreement 19/11/07 have been implemented/are in place. That is my understanding of the terms of our SETTLEMENT Agreement 19/11/07. That is my personal opinion; it is my personal view; it is my personal belief. These are the reasons :

  1. What you show to be patriotism I see as altruism - the protection of your vast wealth i. e. your huge share-holdings in FirstRand Group. Furthermore, where is the patriotism in what you show to be legal Avoidance of Tax but I see as illegal Evasion of Tax. i. e. the by now well documented two 'lists' - the one known, the other not yet known, which are directly dealing with money-laundering, Fraud - the dealings of major CROOKS who 'rob the People of South Africa'. That is hardly the way True Patriots would 'carry on'.
  2. What you and "Dr van" involved yourselves in-when you threatened my life and when "Dr van" (and your co-Directors) found your threat on my life to be "funny". He wanted me to see your threats on my life as "funny", but I laid a Charge against you (and your co-Directors) with the Police - because you threatened my life. Who are you to threaten my life ? Now, in the 'way that the GOOD Lord works' you "LL" are joined with a few others who say they will kill for so and so and for such and such .. And your Chairman's choice of words "eliminate" is being offered as an alternate to 'kill'. But it was you who used it first when you jumped up and said that I must be "eliminated" at a Public Meeting. Perhaps it is when I wrote to the ANC and to CASATU, and to the Communist Party, and to the ACNYL and I tried to expose all the Fraud and I referred the 19 Police Cases to them, that your Chairman's choice of words "eliminate" and your and "Dr Van's" use as an alternate to the word 'kill' registered with them then, and they use it now. They copy you and your Chairman and "Dr van".
  3. The about 19 Police Cases that you laughed and scoffed at, at FRL AGM's 2001, 2003, 2004, 2005, 2006 (I missed 2002. I was asked not to attend 2007. I agreed because of the terms of our SETTLEMENT Agreement 19/11/07). I was asked not to proceed with these about 19 Police Cases. I agreed. But I agreed because of (subject to) the terms of our SETTLEMENT Agreement 19/11/07. In our SETTLEMENT Agreement 19/11/07 it is recorded that our Proposal for funding will go to "relevant people" if we will SETTLE and stop with the Police Cases and so on. There are no more "relevant people" than the Directors who are named in the about 19 Police Cases. I have approached the main Directors involved in the Theft and the Fraud and money-laundering and Tax Evasion and who are named in the about 19 Police Cases. I have asked to meet with "GT" to discuss whether to also approach all the other Directors and the 'sort of' Directors in the FirstRand Group (FRL/FRBL/FNB) No response. I ask for a copy of the Minutes of the 2007 AGM of FRL. No reply; no response.
  4. d) No sooner had I signed, but "GT" 'disappeared'. Your Board of Directors appointed as their agent your Company Secretary Bruce Uncer. Immediately Bruce started to 'duck and to dive' and to mess us around. He denied receiving seriously important correspondence. He said Ms Sam Moss had it, but did not show it to him. Later he said Ms Sam Moss E-Mailed it to him, but he never received it. He refused to instruct FirstRand Group agents Theodore Willhelm van den Heever/Deloitte & Touche Thamatsu and agents lawyer Driman/Deneys Reitz and Advocate Both to, in the 'spirit of our Agreement' (that was suggested by Bruce) see to the transfer of 1146 Marlboro, even when I set out how important this property is to the venture, and to me personally. Even when "RK" is a Director on the letter-head/SETTLEMENT Agreement 19/11/07, Bruce failed, in the 'spirit of our Agreement' (that Bruce had suggested) to get "RK", the past Chairman of DTT, to simply instruct his 'pal'/partner/ "dummy"/secret holder of his shares in DTT, Theo, to simply undo the mess he had made, acting as the "bully-boy" "dummy" for "RK" and his gang at DTT etc etc etc. It is well documented. It is well recorded, even as a part of the permanent Records of FirstRand Group, as well as to the Police and even to many many Interested Parties - even the IRBA and SAICA and ACCA, to mention just a few who are directly associated with "RK" and with Theo.
  5. I was asked to write an 'apology letter' to "GT". In the 'spirit of our Agreement' (that Bruce had suggested) I agreed. I wrote 2 letters. I asked for the letters to be read out at the 2007 AGM. This should form a part of the permanent Record of Public Company and Public bank - FRL/FRBL. In the due coarse of time I asked when I would receive a letter of apology to my wife and family, to Willie and to Agnes, to my children. My request was ignored - it remains unanswered. But I am entitled to this letter. I still want it. I will frame it and hang it on the wall. I asked for a copy of the Minutes of the 2007 AGM of FRL. No reply, no response. I want to see - in the 'spirit of our Agreement' (that Bruce had suggested) did the Directors acknowledge to the Shareholders, and to the News Media present, that there were all those LIES told about me and my family and The Mazlen Trust. So that the permanent Records of this Public Company and this Public bank reflect the Truth, at long last, and after all these years that I was LIED about, with my wife and my family. The SETTLEMENT was not a 'one-sided' affair.
  6. There seems to be a 'missing of minds'. It appears that the difference between what we are expecting from FirstRand Group, for the venture, and what FirstRand Group wants to give us, for the venture, will become 'problematic'. Bruce has told me that we will receive funding, but he seems to think that we may not get the full amount required. "GT" has written to me that the level of assistance that we seek may be based on unrealistically high expectations. So I ask to meet with "GT" because it was with "GT" that I discussed the anti-crime campaign. It was with "GT" that I shook hands and SETTLED. I receive no response from "GT" to my request to meet with me once more.
  7. I am just going from memory. There are lots of letters post 7/11/07 (when I shook the hand of "GT" and SETTLED) In these letters is recorded our dissatisfaction and the way we have been badly treated, once "GT" 'disappeared' to Stellenbosch. I have asked to meet with "GT" to sort out things that are not in order. An example is the FirstRand Group 'initiative' for the 'Rehabilitation of Criminal Offenders' - whereby 901/2 Marlboro was purchased. I ask about accommodation - must I include accommodation ? No reply. And there is more - just go to the correspondence (post 7/11/07). I get no response from FirstRand Group/the Directors/"GT". Yet our SETTLEMENT Agreement 19/11/07 is written on a FR letter-head, signed by your agent Bruce, with all the Directors names below his name. And your name is there too - LL Dippenaar.
So, all in all, "LL", you are most definitely associated with my endeavours, and you will remain to be associated with my endeavours until such time as the terms of our SETTLEMENT Agreement 19/11/07 are properly in place.

(extract)

3.1 We have asked the Sponsors to tell us - does the 'initiative' for the 'Rehabilitation of Criminal Offenders' which "GT" is referring to include accommodation ? 3.1.1 901/2 Marlboro falls in a 'mixed-use' area. But we are not sure whether we must include the accommodation of ex-Inmates in the 'initiative' for the 'Rehabilitation of Criminal Offenders' which FirstRand Group have not disclosed to us in detail, as yet.

3.1.1.1 We are awaiting this vital information so that we can properly prepare and present the Final Proposal. We hear nothing from "GT", nor from Bruce, nor from the Directors, nor from FirstRand Group. Why is this, when our SETTLEMENT Agreement 19/11/07 is referring to this 'initiative' for the 'Rehabilitation of Criminal Offenders' ?

3.2 Because 'Mohammad will not come to the Mountain', but the mountain must come to Mohammad - we are enclosing a DVD which we have put together at our own expense. (FirstRand Group have come up with no money at all, so far, towards the FNCOC 2007 anti-crime campaign) On this DVD FirstRand Group and the Directors can see the properties from the comfort of their 'ivory towers'. However we still believe that it is well worth your time and the effort to : I Meet with us. ii See the properties personally, with us, on site.

'file' named - "GT" Ferreira (16) :

(extract)

1. Our SETTLEMENT Agreement 19/11/07 refers.

1.1 My letters 1/7/08, 21/4/08, 17/4/08, 12/3/08, 10/3/08 x 2, letter of Appeal/Notice 29/2/08; letters 22/2/08, 8/2/08, 7/2/08 and 19/1/08 - all these letters refer.

1.2 Your bank's letter 4/4/08, your bank's fax dated 12/3/08, but received 10/3/08 (then received for a second time on the 18/4/08); and your bank's faxes 11/2/08 x 2 refer.

1.3 Your bank's letter to attorney Jan Allen 18/4/08 refers (faxed to me twice at MBC)

1.4 Various correspondence with you, "GT", refers.

1.5 My letter to "LL" Dippenaar 30/6/08 with DVD refers. I repeat, to you "GT" that which I have written to "LL" in point 3.2 page 4/5 of my letter 30/6/08.

2. I wish to place on record the following :

2.1 We are expecting funding for the FNCOC 2007 anti-crime campaign, based on what we have been told by Bruce and by you, "GT". We are therefore prepared to go to a lot of trouble (and time and expense) to submit the Final Proposal.

2.1.1 Again we have asked for a meeting with you, "GT" in order to clarify things which have been raised in the correspondence, post 19/11/07.

2.1.2 Again we have asked for details of the FirstRand Group 'initiative' for the 'Rehabilitation of Criminal Offenders' - ref is our SETTLEMENT Agreement 19/11/07. Further ref is the many previous requests for this information in the correspondence, post 19/11/07.

3. Kindly take a look at the enclosed DVD. Thereafter, kindly discuss with your personal family members making a personal contribution to our anti-crime campaign. Thank you.

3.1 We will be submitting the Final Proposal, which we have been requested to prepare and put forward, shortly.

3.1.1 From what Bruce has told us we will receive funding, but he seems to think that we may not get the full amount required.

3.1.2 From what you, "GT", have written to us, you seem to feel that the level of assistance that we seek may be based on unrealistically high expectations.

3.2 The point is that in our "resolution"/SETTLEMENT Agreement 19/11/07 paragraph 11 on page 2 you are one of the "relevant people" in the FirstRand Group who will receive our Final Proposal for funding.

3.2.1 As a R billionaire, and as one of the Directors you have been named in very serious Criminal capacities, and activities; what with the Mazlen/Harris family and the Discovery/FirstRand Group/Spitz/noseweek known 'first list' and the, as yet un-known, 'short list' etc. i. e. Theft, Fraud, Mis- representation of the Truth, "undue influence", Duress, Coercion, Defamation of Character, Threats of physical violence, (including murder), of 'Conspiracy', of 'Corruption' (including Bribery), of 'Defeating the Ends of Justice'/the Directors, CA's, Co. Secretaries First Rand Limited/ FRbHL/FNb, their agents and others; as well as : Contraventions of the provisions of the Prevention of Organized Crime Act (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA) e. g. 'Corruption', Theft, and Fraud and Organized Crime including 'money laundering' and 'round-tripping' and of 'Defeating the Ends of Justice'; as well as Tax Evasion - these 'stories' that were (and perhaps still are) 'doing the rounds'. One only has to look into the permanent records of the Public Company/ bank FRL/FRBL and into the Statements in the 19 Police Cases, to which much correspondence has been allocated, even naming you personally "GT".

3.3 Is it too much to ask that you personally make a contribution to make up any shortfall which Bruce and you, "GT", seem to already be contemplating - even before receipt of our Final Proposal ?

3.3.1 A similar request is also being made to "LL", to "PK", to "Viv", to "MW", to "PM", to "RK", to "BJ", and last but not least to "Dr van".

4. Once again, as I have done in the past, including to you, "GT", in my letter 12/6/08, to "LL" in my letter 30/6/08, and to FirstRand Group in my letter 1/7/08, I am obligated to state - all of The Mazlen Trust's, as well as my and my family's Rights, including Willie and Agnes, are fully reserved, in accordance with the Notice/s that I have unfortunately had to give to FirstRand Group, because of the way that the terms of our SETTLEMENT Agreement 19/11/07 have been abused. I think it is because you, "GT", SETTLED with me verbally, but when you, "GT", left matters to First National Bank/FirstRand Bank Limited to formalize in writing, then in your absence, "GT", they started with their Bad Business Practices, just like they have done in the past. It is my unfortunate experience. ________________

(extract)

1. Mr. GT Ferreira - Chairman FRL and especially Mr Bartlett, Mr PK Harris, Mr King Mr Dippenaar, and Mr BC Uncer and Mr AH Arnott - Company Secretaries and The full Board of Directors of FRL and FirstRand Ltd/FirstRand bank/First National bank. Fax 282 8065 and
2. The Partners and Deloitte Touche Trust - fax 806 6138. 3. The Partners and PriceWaterhouseCoppers Inc. - fax 797 5800.
4. The Partners and Driman/DR - fax 883 4000.
5. The SAICA - fax 622 3321.
6. The PAAB - fax 622 4029.
7. The Banking Council of SA - fax 645 6896.
8. The Banking Ombudsman/Adjudicator - fax 838 0043 .

Attn.
1. Ferreira FRL,
2. RK Store DTT,
3. Tom Winterboer/C Beggs PWCI
4. Driman/Hart DR.
5. JH Dijkman SAICA.
6. RE Benjamin-Swales PAAB.
7. TA Boardman BCSA.
8. JF Myburgh BO/BA.

Dear Mr Ferreira, Mr Bartlett, Mr PK Harris, Mr King, Mr Dippenaar, Mr Store, Mr Beggs, Mr Hart, Mr Dijkman, MS Benjamine-Swales, Mr Boardman, Mr Myburgh and others,

1. Unlawful Business Practices. Corruption, Conspiracy, Theft, Fraud and other Crime. FirstRand Limited/FirstRand bank Holding Limited/First National bank their agents and others.
2. The 2005 FRL AGM - Minutes.

1. My letter 14/4/06 (FRL), 6/3/06 (FRL) and my letter 7/3/06 (Driman/DR) which was also faxed to the Directors and the Company Secretary of FRL, refer.
1.1 All previous correspondence refers.

1.2 The Directors of FRL, their agents/Auditors DTT and PWCI and their other agents/lawyers Driman/DR have accepted the contents of my correspondence for some time now. I think it is because of what the Chairman of their Principals, Ferreira, has done, acting for and behalf of the Directors of FRL/FRbHL/FRB, and the Directors, and acting for and on behalf of the FRL agents.

1.2.1 The same goes for the Directors of the PAAB, the Directors of the BCSA and the Directors of the BO/BA - they have not disputed the contents of correspondence to them which sets out the Unlawful Business Practices, Corruption, Conspiracy, Theft, Fraud and other Crime by FirstRand Limited/FirstRand bank Holding Limited/First National bank their agents and others.

1.2.2 The Directors of the SAICA are still busy with the Complaints/Unlawful Business Practices, Corruption, Conspiracy, Theft, Fraud and other Crime by FirstRand Limited/FirstRand bank Holding Limited/First National bank their agents and others.

2. When I handed my letter 14/4/06 to the FRL Company Secretary, Arnott, then he handed me an un-signed copy of a second 'draft' of the Minutes of the 2005 AGM of FRL.

3. When I asked the Company Secretary, Arnott, why the second 'draft' of the Minutes is still not signed, then he said that this second 'draft' had been 'discussed' by the Directors of FRL on the 23 February 2006 but that the Chairman had still not signed it. He said FRL's lawyers (Driman/DR) had agreed that this second 'draft' could be signed and that on the 25th May 2006 the Chairman would sign it. He asked me if I want him to send to me a copy of the signed Minutes after the 25/5/06. I asked him to do this and I said to him that I am waiting before I approach the Police again, and open another Police Case against him and the Directors and the Auditors and the lawyers of FRL, and I said to him that I will wait to receive the signed Minutes before proceeding to open this new Police Case.

3.1 When I said to the FRL Company Secretary, Arnott, that he and the Directors and the Auditors of FRL were in breach of the Companies Act then he said to me "the Stock Exchange has got a copy of the Minutes".

3.1.1 I could not get to ask him if he was referring to the 1st unsigned 'draft' or to the 2nd unsigned 'draft' of the Minutes of the 2005 FRL AGM that the Stock Exchange has been supplied by FRL, because the Company Secretary just shrugged his shoulders as if to say "Who cares" (about my reference to being in breach of the Companies Act and to the Police Case that I am waiting to open. He just walked off, leaving me standing there, as he usually does)

4. Regarding this 2nd 'draft' of the minutes of the FRL AGM of 2005, I wish to record the following :

4.1 I will approach the Office of the Minister with an affidavit once I do receive the signed 2nd 'draft' because of the breach of the Companies Act which the Company Secretary, Arnott, just shrugs off and scoffs at. I will then also approach other Interested Parties which Ferreira has already named to the Shareholders of FRL.

4.2 This 2nd 'draft' is totally un-acceptable. The few 'cosmetic' changes to the 1st 'draft' are quite ridiculous and meaningless.

4.3 I reserve my Right to fully reply to this 2nd un-signed 'draft' of the FRL Minutes of the 2005 AGM. You should never construe my not replying in detail at this stage as an admission as to the contents of this 2nd un-signed 'draft'. The contents is wrong, it is full of LIES, it omits material and relevant Information and things that were said at the Meeting, including about the Police Cases, and it omits to Annex documents, the contents of which should be a part of the Minutes, and also about : Chairman of FRL Ferreira's - LIES to the Shareholders of FRL - Public Company, CEO of FRL PK Harris's - LIES to the Shareholders, RK Store/DTT's - LIES to the Shareholders, Lead Banking Partner of ABSA Winterboer/PWCI's - LIES to the Shareholders, Driman/DR's - LIES to the Shareholders, Past CEO Dippenaar's - LIES to the Shareholders.

4.3.1 You are to seriously read and take into account the contents of my letters to FRL 12/11/04, 15/1104, 22/11/04 Objections, 22/11/04 Information, 25/11/04, 1/12/04, 2/12/04, 16/12/04, 17/12/04, 20/12/04, 21/12/04, 24/12/04, 3/1/05, 7/1/05, 27/1/05, 4/2/05, 17/2/05, 23/2/05, 23/2/05, Minutes of the Meeting with Ferreira 23/2/05, 4/3/05 x 2, 11/3/05, 5/4/05, 21/4/05 from Ferreira/'FirstRand, 12/5/05, 31/5/05, 20/7/05 to M Jordaan and others, 17/8/05 to M Jordaan and others, 21/7/05 to W Lucas-Bull and others, to W Lucas-Bull the BAC and others, to E Grondel and others, 22/11/05 Objections, 22/11/05 Information, 23/11/05, 28/11/05, 2/12/05, 3/12/05, 6/12/05, 19/12/05 Minutes of the FRL AGM 22/11/05, 19/12/05 with affidavit, 3/1/06 to FRL and 4 FRL agents, 11/1/06, 13/1/06, 6/3/06, 13/4/06.

4.3.2 You are to seriously read and to take into consideration the contents of my correspondence to the agents of FRL - DTT, PWCI, DR and others.

4.3.3 You are to seriously read and to take into consideration the contents of my correspondence to the other Parties named at the top of this letter, and to whom this letter is being addressed.

4.4 Please get the Chairman, Ferreira, and the Company Secretary, Arnott, and the CEO PK Harris, and the Directors of FRL, especially Bartlett and King and Dippenaar, as well as the agents of FRL, DTT, PWCI and DR, to take into consideration all of the above listed correspondence and the contents thereof and to then seriously refrain from signing the 2nd 'draft' of the Minutes of the AGM of FRL 2005.

4.4.1 The Minutes are wrong. The Minutes are full of LIES. The Minutes do make reference to Police Cases, but the reference is not correct and is wrong. It is insufficient to rectify and to "expunge" the LIES told by RK Store/DTT, Winterboer/PWCI, Driman/DR, PK Harris, Ferreira and Dippenaar about me and my family and the Mazlen Trust.

4.4.1 In the 2005 Minutes of the FRL AGM must go an "expunging" of the False and the belittling, undignified, LIES - to replace the TRASH about "a traffic violation", the "Theft of a cel phone" and other similar TRASH and LIES which Ferreira told the Shareholders when he knew the Truth. He and PK Harris and Dippenaar and Winterboer told these LIES with Criminal intent to belittle me and to shame me and to attack my dignity, and to deceive the Shareholders and the General Public and to deceive the News Media who were present. He did it in order to amuse himself and his fellow Directors and his Company Secretary - he told these blatant LIES about me and about my family and about Mazlen and about The Mazlen Trust when he knew the Truth.
Then recently he scoffed and he was bemused and he laughed at me when the name Mazlen was used by me in his presence. I ask him to please tell me - what is so funny and what is so amusing, and what is it that he scoffs at when he hears the name Mazlen ?

Below is the correct detail of the Police Cases.

I a 43/04/1999 Norwood - Misrepresentation, Fraud - Criminal charges laid against : FNb lawyers : Smit and Loundes and FNb Advocate : B Masselle. They subsequently rescinded the Judgements which they had earlier obtain by telling LIES to High Court Judges.

I b 280/04/1999 Norwood - Misrepresentation and Fraud - Criminal charges laid against : The Directors of ABSA bank and attorneys De Vries Serobe.
They subsequently rescinded the Judgement which they had earlier obtain by telling LIES to a High Court Judge.
I,ii,iii 106/07/1998 (3 separate charges) Yeoville/Hillbrow - Theft, Fraud, Mis- representation of the Truth, Duress - Criminal charges laid against : FNb Managers at Rosebank, First National Nominees (Pty) Ltd, Fnbank of Southern Africa Limited, First National Equities (Pty) Ltd.
iv. 232/10/2000 Sandton - Assault - Criminal charges laid against : FNb lawyer : CB McEwan (now an Advocate)
v. 1055/12/2000 Hillbrow - Fraud, Mis-representation, Duress - Criminal charges laid against : FRL Directors : GT Ferreira, MW King, LL Dippenaar, VW Bartlett, PK Harris, B H Adams, J A Craig, D M Falck, P M Goss, S R Maharaj, KC Shubane, BJ van der Ross R A Williams, FNb trustees : Directors Westrust (Pty) Ltd, L Cohen, N Bowman, N Klein, AD Pellow, FNb property agent : Dirtectors Property Mart AW Hartard, C Mostert, FNb lawyers : Smit and Loundes, AG Loundes, PH De V Smit, SJ Pratt, CPW Jones, E van der Vyver, AG Anderson, G Wright.
vi. 1567/01/2001 Sandton - Perjury/Defeat ends Justice - Criminal charges laid against : FNb lawyer : CB McEwan (now an Advocate), FNb Liquidator : TW vdHeever, FNb Advocates : J Both, B Masselle and others.
vii. 1781/02/2001 Hillbrow - Theft, Misrepresentation of the Truth, Fraud - Criminal charges laid against : FNb Auditors' : 'front' 'dummy' Company Deloitte and Touche Trust (Pty) Ltd/D&t Trust (Pty) Ltd, Directors V Naidoo, GG Gelink, MD Gibson, SE Laphala, AM Rennie, PWM Reynolds, TW vdHeever, FNb lawyers : CB McEwan Attorneys, and CB Mc Ewan (now an Advocate).
viii. 924/12/2001 Sandton - Mis-representation, Fraud, Defamation - Criminal charges laid against : FRL Directors : GT Ferreira, MW King, LL Dippenaar, VW Bartlett, PK Harris, B H Adams, J A Craig, D M Falck, P M Goss, S R Maharaj, KC Shubane, BJ van der Ross R A Williams. FNb Lead Bankling Partner/Auditor : TW Winterboer and others.
ix. 449/11/2002 Hillbrow - Fraud, Mis-representation, Duress - Criminal charges laid against : FRL Directors : GT Ferreira, MW King, LL Dippenaar, VW Bartlett, PK Harris, B H Adams, D J A Craig, D M Falck, P M Goss, S R Maharaj, M C Ramaphosa, KC Shubane, BJ van der Ross, Dr. F Van zyl Slabbert, RA Williams FNb Directors : all the Directors. FNb Managers : Scheepers, Grobelaar, Loiziokis. x. OB 115/09/2003 Hillbrow - Bribery, Corruption, Fraud - Criminal charges laid against : FRL Directors : GT Ferreira, MW King, LL Dippenaar, VW Bartlett, PK Harris, SR Marahaj, B H Adams, D J A Craig, D M Falck, P M Goss, M C Ramaphosa, KC Shubane, BJ van der Ross, Dr. F Van zyl Slabbert, RA Williams xi. OB 2053/02/2004 Hillbrow - Defamation, Mis-representation, Fraud - Criminal charges laid against : FRL lawyers : Robert Driman and Deneyz Reitz, FRL Direcotrs : GT Ferreira, MW King, LL Dippenaar, VW Bartlett, PK Harris, B H Adams, D J A Craig, D M Falck, P M Goss, M C Ramaphosa, KC Shubane, BJ van der Ross, Dr. F Van zyl Slabbert, RA Williams .
xii. OB 2053/02/2004 Hillbrow - Defamation, Intimidation - Criminal charges laid against : FRL Director : PM Goss.
xiii. 211/05/2004 Jhb. Cntrl/OB 346/05/2004 Hillbrow - Misrepresentation of the Truth, Fraud - Criminal charges laid against : FRL Directors : GT Ferreira, MW King, LL Dippenaar, VW Bartlett, PK Harris, D J A Craig, D M Falk, P M Goss, NN Gwagwa, G Moloi, KC Shubane, B J van der Ross, Dr. F van Zyl Slabbert, R A Williams.
xiv. 170/05/2004 Morningside/OB 346/05/2004 Hillbrow - Corruption, Conspiracy to Commit Crime, Fraud, Defeating the Ends of Justice, Defamation of Character - Criminal charges laid against : FRL Directors : GT Ferreira, MW King, LL Dippenaar, VW Bartlett, PK Harris, D J A Craig, D M Falk, P M Goss, NN Gwagwa, G Moloi, KC Shubane, B J van der Ross, Dr. F van Zyl Slabbert, R A Williams. FNb Managers : J Stott, LC Loizakos, DJ Scheepers, FRL Company Secretaries : P de Beer, AH Arnott, PEJ van Rensberg, FRL Advocates : M Masselle, J Both, CB Mc Ewan, M Olivier, FRL lawyers : R Driman and Directors/Partners Deneys Reitz, FRL Liquidators : TW vd Heever, CHJ Barnard, P Waugh, FRL Auditors : Liquidators : Directors 'front' 'dummy' Company Deloitte and Touche Trust (Pty) Ltd/D&t Trust (Pty) Ltd and Directors GG Gelink, SE Lehapa, V Naidoo, PWM Reynolds, TW vdHeever, FRL trustees : Directors KVR International JHJ van Rensberg, S Roopa, P Waugh, GB Mtshweni, S Deas, FR de Villiers, TK Morris, PH Pfaff, Directors Fidile Trust (Pty) Ltd P Waugh, M Ramanus, trustees P Waugh, G Nell, FRL/FNb Auditors : all the Partners at Deloitte/Deloitte and Touche/ Deloitte and Touche Tohmatsu, FRL Auditors : all the Partners at PricewaterhouseCoopers Inc, FNb Property agents : AW Hartard, C Mostert, Directors of the Public Accountants and Auditors Board : Ms RE Benjamin-Swales, SA Fakie, J van Rooyen, WL Johnson, IA Mamoojee, I Pillay, CR Qually, GK Everingham, S Zilwa, C Koornhof, CF Reid, GL Le Roux, WP Du Plessis, EN Oelofse, F Mtoba, Master of the High Court : L Lategan and DJ Krige.
xv. 450/05/2005 Bramley/OB 1355/05/2005 Sophiatown - Defamation, Mis- representation, Fraud - Criminal charges laid against : FRL Directors : GT Ferreira, MW King, LL Dippenaar, VW Bartlett, PK Harris, D J A Craig, D M Falk, P M Goss, NN Gwagwa, G Moloi, KC Shubane, B J van der Ross, Dr. F van Zyl Slabbert, R A Williams. FNb/FRbL/FRL Company Secretaries : BW Uncer, AH Arnott and others.

Xvi A further Police Case will soon be opened following Fraud at the AGM 2005/in the Minutes.

4.5 The other LIES which must still also be removed.

4.5.1 I wish to set out what Ferreira said after he "threw me out of the Meeting" and had me removed from the property by 3 of his Security Guards. This is what he said about me :

F May I just say that for me this was a very sad ah Meeting. I have never asked any Shareholder or any person to leave a Meeting. Uh unfortunately this has been happening for the last 6 Meetings and mostly Mr Harris has come back with the same Objections. Now just to put it in context. Mr Harris uh was a Client of FNb, uh that is even before FirstRand got involved, but round about 1996 uh he had some facilities with the bank the interest rates at that stage were extra-ordinary high, with the consequence that property values dropped and also the share values dropped. The bank held Security from Mr Harris in terms of uh shares and uh property. Mr Harris became in arrears. His a/c became in arrears, and the bank took possession of those and actually sold it in the market. Unfortunately the realization of the properties and the share portfolio did not meet the outstanding balance and Mr Harris was then Sequestrated. Uh Mr Harris feels hard done by this. We have repeatedly investigated these allegations and we believe that even if the b.. the the the uh bank uh dealt .. he believes the bank dealt harshly with them it, it was a fair, a a fair transaction, and subsequent to that there were altercations with the bank with the bank's attorneys, which I do not want to go into at this time, but it is still continuing and Mr Harris still believes that he is being hard done by, uhh despite all the investigations that we have done. So that .. just to put the situation in context, but again I am very sorry that we had to uhh stand down the Meeting and ask Mr Harris to leave.

I do not accept what Ferreira did. He was wrong when he "threw me out of the Meeting" and had me removed from the property by 3 of his Security Guards when I was trying to correct the LIES which he had knowingly, and with Criminal intent, told about me and my family and The Mazlen Trust at the 2001 and the 2003 AGM's of FRL. He had promised me in February 2005 to remove the LIES. Here it was November 2005 and he had not kept his promise. He is a LIAR. He is not a man of his word at all.

When Ferreira was making these wrongful statements to the Meeting, behind my back, like a coward, because he first got his 3 Guards to "throw me out of the Meeting" and he had had me removed from the property, he had a full and a "detailed" list of all the Crime and all the LIES in his possession. In February 2005 he accepted from me a letter 23/2/05 with an Appendix 1 and an Appendix 2 which set out all the Crime and all the LIES - in full "detail".

Then when I was not there to defend myself, Ferreira took the liberty of telling the Meeting more of his LIES. These LIES, these new LIES, although they try to soften and water-down the LIES which he told about me and my family and The Mazlen Trust in 2001 and again repeated in 2003, are still most unacceptable. These new LIES, are partly included in the draft Minutes by Arnott, and were heard by all who were present on the 22/11/05. Arnott has followed Ferriera's new LIES in paragraph 4 of the draft Minutes, in that he still has refused, like Ferreira has refused, to acknowledge the 1st set of LIES by Winterboer/"PWCI" (and his Partners) and the 2nd set of LIES by Driman/"DR" (and his Partners) or the LIES of Auditors RK Store/"DTT" (and his Partners) about this 'dummy' 'front' lawyer and the hiding of the shares in this 'dummy' Company while RK Store/"DTT" (and his Partners) Liquidate and Sequestrate Clients of this bank acting as the Auditors. This terrible 'Conflict of Interests' where they "turn their blind eyes" to the Crime and the LIES in return for these appointments with fat Audit and Liquidation fees. What a disgrace, but Arnott and Ferreira see it as "Nothing new", "Nothing wrong". To them it is how they operate - "business as usual" at this bank and at this Public Company.

Ferreira 'thinks he is a clever' - by telling new LIES, and by repeating his old LIES about me when I am not present to defend myself, because he had "thrown me out of the Meeting" and he had had me removed from the property by 3 of his Security Guards. This is a cowardly act by Ferreira. He is not a man of his word. He is a LIAR. He is cowardly.

It is not enough that only part of the LIES are being removed and replaced with the Truth - i. e. the intentionally wrongly quoted Police Cases. Arnott, Ferreira, Dippenaar, PK Harris, Bartlett, King, Goss, and even all the other Directors of this bank and this Public Company know the Truth. The Auditors "PWCI" and "DTT" and the lawyers "DR" all know the Truth. They therefore know the other LIES that must also be removed from the permanent Records of this Public Company. I have set out and I have exposed all the LIES - the 1st set of LIES by Winterboer/"PWCI" (and his Partners) and the 2nd set of LIES by Driman/"DR" (and his Partners) as well as the LIES of Auditors RK Store/"DTT" (and his Partners). I have done it in "detail", but Ferreira says he needs more "detail". I say that Ferreira and the Directors and the Company Secretary have well and sufficient "detail".

Ferreira says he does not understand the Crime and the LIES. I say Ferreira fully understands the Crime and the LIES. Ferreira 'makes out' that he can not tell Right from wrong. I say Ferreira is just 'play-acting', and that he is not Criminally Insane. He is a LIAR, and he is a coward.

In my absence Ferreira addressed the Meeting under GENERAL. He said to the Meeting "May I just say that for me this was a very sad ah Meeting". I do not believe Ferreira. When I listened to the tape recording of the Meeting it was Ferreira who was laughing and joking with Goss and King that I heard, as his Security Guards were 'escorting' me from the room and off the property. It really was, though, a very sad day for me. To be harassed before the AGM by the head of the security guards of FRL, which I have recorded in my letter 23/11/05 at pages 1 to 3. To be LIED about and then to be so rudely continuously interrupted by Director Goss, Chairman Ferreira, lawyer Driman, Company Secretary Arnott, past CEO Dippenaar, that was tough, and that was sad. To be wrongfully "thrown out of the Meeting" and to be removed from the property by 3 of Ferreira's Security Guards when I was trying to correct the LIES which he had knowingly told about me and my family and The Mazlen Trust at the 2001 and the 2003 AGM's of FRL - that was hard, and that was so sad. He spoke of "the last 6 Meetings". More of his LIES because I was not there to dispute it. I had only attended 3 Meetings, prior to the 2005 AGM. He said "mostly Mr Harris has come back with the same Objections". It took me 4 years to get part of his LIES removed - which are now going to be replaced with the Truth. His LIES are going to be "expunged" from the Records of FRL. What of his other LIES that will still remain ? He said "Now just to put it in context .. " then he started with his LIES again. The trouble started when he and his 'gang' arrived on the scene. Up to then we traded with the bank in an orderly and normal way of business. We had done so for over 40 years before he and his 'gang' came on the scene. He said to the Meeting "he had some facilities with the bank". We had R 2,2 million facilities with the bank. He said to the Meeting "the interest rates at that time were extra-ordinary high, with the consequence that property values dropped and also the share values dropped". He is referring to when he and his 'gang' arrived, I presume. I have seen the bank's own valuation of the assets. I saw it when, Praise the GOOD Lord, bank documents were introduced by the trustee at the Enquiry which I held into the affairs of my Estate. There was never any problem about the value of the assets in the bank's own documents. The bank never said anything about the value of assets. The bank, as it had done for over 40 years, before Ferreira and his 'gang' came on the scene, agreed to additional facilities if I agreed to a Power of Attorney to register a bond over the Buccleuch property. No mention was made to me about the value of the security dropping. The agreement was that the bank would value the Buccleuch property and would supply additional facilities for a 60% bond. Then the bank started it's CHEATING - it was by then that Ferreira and his 'gang' had arrived on the scene, to be sure. The bank told LIES to my-ex-wife, got her to sign documents by Mis-representing the Truth to her, put her under Duress and used "undue influence" to get her to sign Surety and bond documents through Fraud. The Fraud exceeds R100,000-00. The bank registered a bond for 100% of the bank's value but reneged on the agreement to supply additional facilities to match the bond they took. The bank's senior Manager also stated that this is the Truth. He did it under oath in the presence of the Magistrate. Driman was there. That is the Truth. The bank's senior Manager made it clear to the Magistrate - it was Head Office that agreed, not him. The Magistrate suggested a Police Investigation. Driman and Ferreira know this. They have the Magistrate's Report. Ferreira said to the Meeting "..it, it was a fair, a a fair transaction.. "

Ferreira went on to tell the Meeting : "The bank held Security from Mr Harris in terms of uh shares and uh property. Mr Harris became in arrears. His a/c became in arrears, and the bank took possession of those and actually sold it in the market. Unfortunately the realization of the properties and the share portfolio did not meet the outstanding balance and Mr Harris was then Sequestrated. Uh Mr Harris feels hard done by this. We have repeatedly investigated these allegations and we believe that even if the b.. the the the uh bank uh dealt .. he believes the bank dealt harshly with them it, it was a fair, a a fair transaction .... "

This is not the Truth of what happened at all. Ferreira knows the Truth, especially at this late date, after 3 "Forensic Reports" and a 'lady' from his "internal Audit department" spending 6 weeks in the Offices of "DR" looking for Crime and looking for LIES and LIARS.

Just take a look at what Ferreira said to the Meeting on the 22/11/2005 - after 3 "Forensic Reports" prepared by the Forensic Department of "PWCI", one of which he says he ordered especially for himself, to have his very own "Forensic Report", after he and his Company Secretary, Arnott, had instructed the bank's "internal Audit department" to send a 'lady' to spend 6 weeks in the Offices of "DR" looking for Crime and looking for LIARS and LIES - this is what he said, behind my back, when I was not present at the Meeting, like a coward :

F "We have repeatedly investigated these allegations and we believe that even if the b.. the the the uh bank uh dealt .. he believes the bank dealt harshly with them it, it was a fair, a a fair transaction ... "
Look at what Arnott said to the Meeting 22/11/05 in reply to a question about the Theft :

H I want to just at the same time that I have mentioned "Maharaj" and "Ancbacher" .. mention another small company known as Mazlen Holdings (Pty) Ltd, where money was STOLEN by the bank. And Mr Arnott asked me on the 23/2/05 - please explain to me the Theft, and I explained it to them. And then I went home and I delivered 2 letters, which are in front of you, setting out all the Theft. What have you done about it Mr Arnott ?

Arnott "Conducted an extensive internal review and came to the same conclusions as we had had before. That we acted within our right, and we have nothing to apologize for" Look at what Arnott said about part of the LIES : Arnott Mr Harris, before I ask the Chairman to perhaps have you removed from the room - in this letter here that you've tabled, you've got on page 9 - "This is the True list of Police Cases that must replace the LIES". Is that what you want, would like me to include in the minutes ? Ferreira knows that the explanation he gave to the Shareholders at the 2005 AGM, and the way he 'play-acted' the delivery of is 'speech', behind my back, like a coward, and what he said to the Meeting ".just to put the situation in context. " was nothing more, and nothing less, than more of his usual 'pack of LIES'. It is who he is. He is a LIAR. He is cowardly. Examples of the True "context" of how this bank behaves - which Ferreire says is "fair"- he said to the Meeting - ".the b.. the the the uh bank uh dealt .. he believes the bank dealt harshly with them it, it was a fair, a a fair transaction ... ":

  1. The "context" of how the bank dealt with Mazlen and the Buccleuch property. Ferreira failed to tell the Meeting about the LIES and the CHEATING and the Crime including Mis-representation of the Truth, Duress (against an innocent woman), Fraud, "undue influence" (exceeding R100,000-00 which he and some of his co-Directors, especially Bartlett, have known about since 1997/1998) in regard to the bond and the agreement in the "context" of the Buccleuch property. Ferreira failed to remove the LIES that he told the 2001 AGM when he gave Winterboer/"PWCI"'s "context" then - that there never was an agreement to a 60% bond, which he told the Meeting in 2001 was based on a "Forensic Report" prepared by the Forensic Department of "PWCI". Ferreira knew he was telling LIES, about the "Context" of the Buccleuch property CHEATING, in 2001 and again in 2003, to the AGM. Ferreira knew far more convincingly at the 2005 AGM that his so- called "Context" was just a further pack of his LIES. Ferreira must remove Winterboer/"PWCI"'s and his and PK Harris's LIES from the permanent Records of FRL which Ferreira told to the 2001 AGM, and Driman/ "DR"'s LIES which he told in 2003 to the AGM of FRL. Ferreira must remove his LIES which he told the 2005 Meeting and he must tell the Truth. He must set it out in the Minutes of the 2005 AGM of FRL. The draft of the Minutes is False, in this context".
  2. The "context" of the bank's endeavors to 'black-male' - using the 'services' of their lawyer Christopher Bailey Mc Ewan (now an Advocate). Ferreira failed to tell the Meeting about the "context" of the endeavors to 'black-male' us to get more bonds after reneging on the agreement in regard to the Buccleuch property. Ferreira failed to remove the LIES that he told the 2001 AGM when he gave Winterboer/"PWCI"'s "context" then - that in the "Forensic Report" prepared by the Forensic Department of "PWCI" they found "Nothing wrong" including no evidence of this Bad and Illegal Business Practice. Ferreira knew he was telling LIES, about the "Context" of the endeavors to 'black-male' CHEATING, in 2001 and again in 2003 to the AGM. Ferreira knew far more convincingly at the 2005 AGM that his so- called "Context" was just a further pack of his LIES. Ferreira must remove his and Winterboer/"PWCI"'s and PK Harris's LIES from the permanent Records of FRL which Ferreira told the 2001 AGM, and Driman/ "DR"'s LIES which he told in 2003 to the AGM of FRL. Ferreira must remove his LIES which he told the 2005 Meeting and he must tell the Truth. He must set it out in the Minutes of the 2005 AGM of FRL. The draft of the Minutes is False, in this context".
  3. The "context" of the bank's threat to bring an 'Interdict' - using the 'services' of their lawyer Christopher Bailey Mc Ewan (now an Advocate). Ferreira failed to tell the Meeting about the "context" of the threat of an 'Interdict' if we proceeded to sell properties to pay the bank back the full overdraft, and if we proceeded to sell our Clients' properties. Ferreira failed to remove the LIES that he told the 2001 AGM when he gave Winterboer/"PWCI"'s "context" then - that in the "Forensic Report" prepared by the Forensic Department of "PWCI" they found "Nothing wrong" including no evidence of this Bad and Illegal Business Practice. Ferreira knew he was telling LIES, about the "Context" of the threat of an 'Interdict', in 2001 and again in 2003 to the AGM. Ferreira knew far more convincingly at the 2005 AGM that his so- called "Context" was just a further pack of his LIES. Ferreira must remove his and Winterboer/"PWCI"'s and PK Harris's LIES from the permanent Records of FRL which Ferreira told the 2001 AGM, and Driman/ "DR"'s LIES which he told in 2003 to the AGM of FRL. Ferreira must remove his LIES which he told the 2005 Meeting and he must tell the Truth. He must set it out in the Minutes of the 2005 AGM of FRL. The draft of the Minutes is False, in this context".
  4. The "context" of the bank's use of Fraudulently altered, redundant, obsolete, invalid, documents, including a Barclays bank document, and the sale of assets which were not secured, by way of Fraud, on which to base the Liquidation of Mazlen and the Sequestration of my Estate, ME Harris. Ferreira failed to tell the Meeting about the LIES and the CHEATING and the Crime including Fraud (exceeding R100,000-00 which he and some of his co-Directors, especially Bartlett, have known about since 1997/1998) in regard to the "context" of the Liquidation of Mazlen and the Sequestration of my Estate, ME Harris. Ferreira failed to remove the LIES that he told the 2001 AGM when he gave Winterboer/"PWCI"'s "context" then - that there never was this Crime and this Fraud which he told the Meeting in 2001 was based on a "Forensic Report" prepared by the Forensic Department of "PWCI". Ferreira knew he was telling LIES, about the "Context" of the Crime and Fraud in the Liquidation and the Sequestration and the CHEATING, in 2001 and again in 2003, to the AGM. Ferreira knew far more convincingly at the 2005 AGM that his so- called "Context" was just a further pack of his LIES. Ferreira must remove his and Winterboer/"PWCI"'s and PK Harris's LIES from the permanent Records of FRL which Ferreira told to the 2001 AGM, and Driman/ "DR"'s LIES which he told in 2003 to the AGM of FRL. Ferreira must remove his LIES which he told the 2005 Meeting and he must tell the Truth. He must set it out in the Minutes of the 2005 AGM of FRL. The draft of the Minutes is False, in this context".
  5. The "context" of the bank illegally signing share transfer forms to sell shares Fraudulently that were not secured by the bank and without the Director's permission, when the Director of Mazlen had actually warned the bank not to sell the shares. The Theft of the money by this bank from the Fraudulent sale of these shares. Ferreira failed to tell the Meeting about this Theft and this Fraud (exceeding R100,000-00 which he and some of his co-Directors have known about since 1997/1998, especially Bartlett) in regard to the "context" of the Fraudulent sale of these shares. Ferreira failed to remove the LIES that he told the 2001 AGM when he gave Winterboer/"PWCI"'s "context" then - that there never was Theft or Fraud which he told the Meeting in 2001 was based on a "Forensic Report" prepared by the Forensic Department of "PWCI". Ferreira knew he was telling LIES, about the "Context" of the Fraudulent sale of these shares and the Theft of this money and the CHEATING, in 2001 and again in 2003, to the AGM. Ferreira knew far more convincingly at the 2005 AGM that his so- called "Context" was just a further pack of his LIES. Ferreira must remove his and Winterboer/"PWCI"'s and PK Harris's LIES from the permanent Records of FRL which Ferreira told to the 2001 AGM, and Driman/ "DR"'s LIES which he told in 2003 to the AGM of FRL. Ferreira must remove his LIES which he told the 2005 Meeting and he must tell the Truth. He must set it out in the Minutes of the 2005 AGM of FRL. The draft of the Minutes is False, in this context".
  6. The "context" of the bank illegally and Fraudulently over-charging interest to base it's Applications to Liquidate Mazlen and to Sequestration me on False figures. Ferreira failed to tell the Meeting about the bank Fraudulently over-charging interest (perhaps exceeding R100,000-00 which he and some of his co-Directors have known about since 1997/1998, especially Bartlett) in regard to the "context" of the Fraudulent over- charging of interest upon which Mazlen was Liquidated and I was Sequestrated, wrongfully. Ferreira failed to remove the LIES that he told the 2001 AGM when he gave Winterboer/"PWCI"'s "context" then - that there never was Fraudulent over- charging of interest, which he told the Meeting in 2001 was based on a "Forensic Report" prepared by the Forensic Department of "PWCI" and based on an analysis of all the a/c's. Ferreira knew he was telling LIES, about the "Context" of the Fraudulent over-charging of interest, and the CHEATING, in 2001 and again in 2003, to the AGM. Ferreira knew far more convincingly at the 2005 AGM that his so- called "Context" was just a further pack of his LIES. Ferreira must remove his and Winterboer/"PWCI"'s and PK Harris's LIES from the permanent Records of FRL which Ferreira told to the 2001 AGM, and Driman/ "DR"'s LIES which he told in 2003 to the AGM of FRL. Ferreira must remove his LIES which he told the 2005 Meeting and he must tell the Truth. He must set it out in the Minutes of the 2005 AGM of FRL. The draft of the Minutes is False, in this context".
  7. The "context" of the bank illegally and wrongfully stopping payment on the home bond of my wife and I, the Fraudulent adding on to our bond a/c of hundreds of thousands of Rands of legal fees not owing and of interest not due, so that their agent would present wrong figures (because of the bank's LIES and Fraud) to the trustee in my Estate, and to place my wife under Duress to sign an agreement not in her or in my best interests, but based on Fraud. Thereafter wrongfully not accepting a sale which caused my wife to suffer a loss of money from the sale of her home, and my Estate likewise. Ferreira failed to tell the Meeting about the bank refusing to honour payments on our home because of Fraud, but rather re-possessing our home, and he failed to tell the Meeting of the Fraud involved in the placing of hundreds of thousands of Rands (which he and some of his co-Directors have known about since 1997/1998, especially Bartlett) onto our bond a/c which were not owing, and he failed to mention to the Meeting the refusal to accept a sale which caused my wife and my Estate to suffer a loss of money in regard to the "context" of how this bank dealt with our home. Ferreira failed to remove the LIES that he told the 2001 AGM when he gave Winterboer/"PWCI"'s "context" then - that there was "nothing wrong" in the way the bank dealt with our home, which he told the Meeting in 2001 was based on a "Forensic Report" prepared by the Forensic Department of "PWCI" and based on an analysis of all the a/c's. Ferreira knew he was telling LIES, about the "Context" of the Fraud and the CHEATING, in 2001 and again in 2003, to the AGM. Ferreira knew far more convincingly at the 2005 AGM that his so- called "Context" was just a further pack of his LIES. Ferreira must remove his and Winterboer/"PWCI"'s and PK Harris's LIES from the permanent Records of FRL which Ferreira told to the 2001 AGM, and Driman/ "DR"'s LIES which he told in 2003 to the AGM of FRL. Ferreira must remove his LIES which he told the 2005 Meeting and he must tell the Truth. He must set it out in the Minutes of the 2005 AGM of FRL. The draft of the Minutes is False, in this context".
  8. . The "context" of the bank telling LIES and the Mis-representation, Fraud, Duress, "undue influence" in regard to the 'placement' of the Buccleuch property by this bank's agent, Hartard, at R200,000-00 when it was worth R 1 million.
  9. Ferreira failed to tell the Meeting about the bank's agent, Hartard, and this Fraud and Crime. Ferreira failed to remove the LIES that he told the 2001 AGM when he gave Winterboer/"PWCI"'s "context" then - that there was "nothing wrong" in the way the bank dealt with the sale of the Buccleuch property, which he told the Meeting in 2001 was based on a "Forensic Report" prepared by the Forensic Department of "PWCI" and based on an analysis of all the a/c's. Ferreira knew he was telling LIES, about the "Context" of the Fraud and the CHEATING, in 2001 and again in 2003, to the AGM. Ferreira knew far more convincingly at the 2005 AGM that his so- called "Context" was just a further pack of his LIES. Ferreira must remove his and Winterboer/"PWCI"'s and PK Harris's LIES from the permanent Records of FRL which Ferreira told to the 2001 AGM, and Driman/ "DR"'s LIES which he told in 2003 to the AGM of FRL. Ferreira must remove his LIES which he told the 2005 Meeting and he must tell the Truth. He must set it out in the Minutes of the 2005 AGM of FRL. The draft of the Minutes is False, in this context". I The "context" of Ferreira's statement to the Meeting about their lawyer Christopher Bailey Mc Ewan (now an Advocate): "..subsequent to that there were altercations with the bank with the bank's attorneys, which I do not want to go into at this time, but it is still continuing ... "
Ferreira intentionally told LIES to the 2001 AGM of FRL. Then for the next 4 years Ferreira got his Auditors ("DTT" and "PWCI") and his lawyers ("DR") to deny the LIES and to threaten me (even with physical violence by Director Goss and by Chairman of the Auditors and his co-Director at the bank, RKStore's 'dummy' 'front' lawyer) when I asked him to remove his malicious, intentional LIES -

At the FRL 2001, 2002, 2003, 2004, 2005 AGM of FRL Ferreira LIED that the Police Charges against this lawyer (used by this bank to Liquidate Clients based on Crime including Fraud exceeding R100,000-00 in more than one instance) were - "Robbery of a cel phone - with fire-arm", whereas Police Case 232/10/2000 Sandton - is Assault - Criminal charges laid against : FNb lawyer : CB McEwan (now an Advocate) Ferreira LIED that the Police Charge against this lawyer was : "Road traffic sign", whereas Police Case 1567/01/2001 Sandton - is Perjury/Defeat ends Justice - Criminal charges laid against : FNb lawyer : CB McEwan (now an Advocate), and others. Ferreira LIED that the Police Charge against this lawyer was : "Standard bank cheque withdrawn", whereas Police Case 1781/02/2001 Hillbrow is Theft, Misrepresentation of the Truth, Fraud - Criminal charges laid against : FNb lawyers : CB McEwan Attorneys, and CB Mc Ewan (now an Advocate), and others 'Ferreira has seen my "detailed" refuting of these LIES. Now he repeated those LIES on the 22/11/05, based on the original 1st set of LIES by Winterboer/"PWCI" (and his Partners), and based on the 2nd set of LIES by Driman/"DR" (and his Partners). I refuted those LIES in Appendix 2 to my letter 23/2/05 which I handed to Ferreira because he wanted to meet with me to understand the Crime and the LIES and to resolve "the issues". On the 22/11/05, with the Truth in his possession, Ferreira still told the Meeting these new LIES, again, behind my back. He is a LIAR and he is a coward.

If Arnott and Ferreira do not get together to change these draft Minutes, but persist with these new LIES, and if Ferreira signs the Minutes with these new LIES in them, and if the CEO PK Harris, and Arnott, Ferreira, Dippenaar, Bartlett, King, Goss, and even all the other Directors of this bank and this Public Company, whilst knowing the Truth, and even these Auditors "PWCI" and "DTT" and these lawyers "DR" who also all know the Truth - if the Minutes are signed with these new LIES still in place, then I will immediately, again, approach the Police, the Minister, and Interested Parties, and I will again try my best to expose and to then stop this Crime and these LIES. I am tired of Ferreira and his perpetual LIES. Now his latest 'tactic' is to get his guards to remove me from the AGM, and to remove me from the property, and then, in my absence, like a coward, to tell his new LIES, and even then repeat his old LIES.

Quotes by Ferreira/Arnott to the Meeting - in regard to the LIES, especially the totally wrongly stated Police Case:

F "Alright Mr Harris we will take out the wrong Police Cases and details and we will put in the correct details into the permanent Records of this Company."

F "And I probably read it because - to demonstrate that what you had given us was incorrect" (Ferreira's 'story' of why he read the LIES into the permanent Records of this Public Company, when he knew the Truth)

F "We will remove it and we will replace it with any other Police Case that you want to give us. .. And I apologize if that has Defamed you."

F "Mr Harris, you have now heard I have said in front of this audience, we will take them out. We will replace them with whatever else you want us to replace them with (referring here to the LIES about the intentionally wrongly quoted Police Cases) Arnott : "Mr Harris, before I ask the Chairman to perhaps have you removed from the room .. in this letter here that you've tabled, you've got on page 9 - "This is the True list of Police Cases that must replace the LIES". Is that what you want . would like me to include in the Minutes ?" (reading from my letter 22/11/05 - Information)

H "That and other things. Yes to the Police Cases. Thank you. OK"

H "Can I please have an undertaking from Mr Arnott in front of his Partners/Directors on record that you will put the Truth about the bond for Buccleuch. Remember that one OK. And there are several others Sir, which I hope I will get a chance to high-light. Even a Magistrate has said so. And this man Mr Driman sat in Court when he heard .. . "

Arnott "We consulted with our internal Audit department, they appointed a woman who spent probably 6 weeks at "DR" going through all the correspondence, all the files, all the Deeds, all the cessions, securities, and the actions, Court Orders the rest of it. We came to the same conclusion .."

(nothing wrong - except of course the LIES which Ferreira and Arnott have now at last made a start to remove. Praise the GOOD Lord)

5. If you all refuse to speak to this Chairman of this Public Company, Ferreira, and his Company Secretary, Arnott, and his Board of Directors, and if you all allow him to proceed and to sign the 2nd 'draft' of the Minutes of the 2005 AGM of FRL as if these False Minutes are the Truth, when you are all very Interested Parties and you all know of the LIES and the Crime, and you all know that CA's are involved, both directly and indirectly in the LIES and the Crime, then it is my intension to name you all to the Public Protector, to the Honourable Minister for Safety and Security, to the Honourable Minster of Police, to the Honourable Minister of Justice, to the Honourable Minister of Finance and finally to the Honourable State President and to the Constitution Court, collectively, as being together, in this 'Conspiracy' to Commit Crime and to Aid and to abet Crime, and as "Corrupt."

5.1 In terms of the Constitution of South Africa I will name you all to the Constitutional Court as being Party to the attack on my person and on my dignity as well as that of my family and The Mazlen Trust and of doing nothing to stop this attack, yet you are in a position to stop it and you have a Duty to me as a Citizen, and because of your positions of Authority, and your appointments, including by the State, to stop it - the Crime and the LIES. The Crime exceeds R100,000-00 in more than one instance and the Crime is known to all the Parties named at the top of this letter. But you fail in your Duty to stop it and to take the correct action which is open to you to take.

Your sincerely,
M E Harris. GOD is Number 1.

'file' named - Deloittes (26) + there are a further several hundred pages in earlier files :

(extract)

20/4/2006.

Michael Harris.
Box 52240 Saxonwald 2132 Jhb .
482 1056.
The Chairman of the Board and
all of the Directors/Partners/Accountants/Members
registered with the Public Accountants' and Auditors Board and
all the Members of The SAICA and
Deloitte Touche Tohmatsu and
The Directors/Deloitte and Touche Trust (Pty) Ltd.
DT Place, Woodmead, Sandton.
fax 806 6138.

Dear Chairman and all of the Directors/Partners/Accountants/Members registered with the Public Accountants' and Auditors Board and Members of The SAICA and the Directors of your Liquidation Company,

1. Kindly advise me when Mr RK Store left or resigned or retired from DTT ('Deloitte'). Kindly advise me whether RK Store is still a Director of the bank - FirstRand bank Holdings Limited (I will also today address this question to the Directors of FRL just in case DTT and the Partners/Directors of DTT again refuse to respond to correspondence, to try to make the Crime and the LIES with which they are all involved 'go away')

1.1 Please phone me with this information urgently on receipt of this fax because when I meet with the PROJECT DIRECTOR : ETHICS AND DISCIPLINE of The SAICA later today I will need to know the Truth, so that I can accurately formulate and also properly set out my Complaints to The SAICA and to the PAAB. Thank you.

1.2 I will also need to notify the Interested Parties with whom I am in written contact, trying to get their help to Prosecute Criminals for Crime and trying to get the LIES of RK Store/DTT, Winterboer/PWCI, PK Harris/Dipenaar/Ferreira/FRL, Driman/DR, "expunged" (Ferreira and Arnott's word i. e. removed and replaced with the Truth) from the permanent Records of this Public Company, FirstRand Limited.

1.2.1 One of the Interested Parties, the Police, I will also need to notified, so as to accurately set out the Police Case/s where RK Store is named to the Police.

1.2.1.1 Then too in the further Police Case that I will be opening shortly it will be good to accurately set out the actual date that RK Store left or resigned or retired from DTT (Deloitte), as it relates to the date of the latest financial statements of FRL signed by Ferreira, PK Harris and Dippenaar, and especially the Reports which are set out in those financial statements. 2. In August 2005 RK Store was still the Chairman of the Board.

2.1 In his letter 5/8/05 (I think he signed it for and on behalf of all the Partners/Directors of DTT) where he told the latest DTT LIES about his lawyer Theodore Willhelm vd Heever not being the "dummy", the "front", the secret holder for RK Store and all the Partners/Directors of the shares in the DTT Liquidation Company ) : "Please be aware that Mr T Van den Heever has been practicing on his own account with effect from 1/6/04 and has no association with the firm since that date." He was still putting himself out to be the Chairman on his 'Deloitte' letter to me. (of course his LIES have been disputed and form a part of my Complaint against him and against all the Partners/Directors at DTT to The SAICA and to the PAAB, as well as to the Interested Parties with whom I am in written contact)

3. Yesterday when I delivered my letter 18/4/06 I suddenly learned : "Tim Store has left DTT". (This was because my letter 18/4/06 was marked for his attention)

3.1 As recently as 10/1/06 RK Store has continued to show himself as the Chairman of DTT and DTT has still continued to accept letters which show RK Store as the Chairman (I think it is he who signs 'Deloitte & Touche' because when I have replied to his letters and named him as the signatory, for and on behalf of all the Partners/Directors of DTT, he has never denied or disputed it, and nor have any of his Partners/Directors at DTT, and nor has DTT)

3.1.1 I have written to RK Store as the Chairman of DTT many letters between 5/8/06 (his 'latest LIES letter') and 18/4/06. DTT and the Partners of DTT have at all times accepted these letters showing RK Store as their Chairman. Why ?

4. Kindly supply to me, as a matter of urgency, because of what is set out above, concerning naming the correct Partners to The SAICA, the PAAB, the Police, the Interested Parties, the latest full list of Partners, as you always offer me to do, on your letter-heads. Thank you.

(extract)

20/6/2007.

Michael Harris.
Box 52240 Saxonwold 2132 Jhb.

The Chairman of the Board and
all of the Directors/Partners/Accountants/Members
registered with the Public Accountants' and Auditors Board and
all the Members of The SAICA and
Deloitte Touche Tohmatsu and
The Directors/D and t Trust (Pty) Ltd (secret Liquidation Company). Registered.
Private Bag X 8, Gallo Manor 2052, South Africa.

Dear Chairman and all of the Directors/Partners/Accountants/Members registered with the Public Accountants' and Auditors Board and Members of The SAICA and the Directors of your secret Liquidation Company,

  • Looking for our Arbitrator, or agreeing to come before a Judge.
  • 2006 FRL AGM 23/11/2006 - The False 1st , 2nd , 3rd and 4th 'drafts' and the 5th False 'final' Minutes signed by the Chairman dated 5th June 2007
  • About 17 Police Cases against the Directors of FRL and their agents. Charges of Theft, Fraud, Mis-representation of the Truth, "undue influence", Duress, Coercion, Defamation of Character, Threats of physical violence, (including murder), of 'Conspiracy', of 'Corruption' (including Bribery), of 'Defeating the Ends of Justice'/the Directors, CA's, Co. Secretaries First Rand Limited/FRbHL/FNb, their agents and others.
  • Contraventions of the provisions of the Prevention of Organised Crime Act (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA)
  • LIES told by Directors of this Public Company to Members of the General Public, to their Shareholders and to the News Media present - AGM's 2001, 2002, 2003, 2004, 2005, 2006; False Minutes of Public Meetings 2001, 2002, 2003, 2004, 2005, 2006; breaches of the Companies Act.
  • Unanswered queries, questions, requests for information, Minutes, in terms of the Companies Act.
1. My letters to attorneys DR (and others) 6/6/07,1/6/07, 31/5/07, 23/5/07, 2/4/07, 31/1/07, 26/1/07, 23/10/06, 29/5/06, 24/5/06, 20/4/06, 18/4/06, 3/1/06; to DR 30/10/06, 20/4/06, 18/4/06, 7/3/06, 10/1/06, 6/12/05, 12/6/05, 17/2/05, 7/2/05, 24/12/04, 21/12/04, 4/6/04 dealing with the 'general' Crime at FRL/FRbHL/FNb and dealing with the LIES of agents Winterboer/PWCI and Driman/DR and the LIES of CEO PK Harris and Chairman Ferreira and dealing with my affidavit 11/1/06 which is dealing with the Falsified 'draft' of the Minutes of the 2005 FRL AGM prepared by Arnott refer.

1.1 Correspondence to your Principals/clients refers :

1.1.1 To your clients - Mr Ed Grondel/FNb and others 17/8/05, Mrs Lucas Bull (ex)/FNb and others 17/8/05 and 21/7/05, Mr Michael Jordaan/FNb and others 7/8/05 and 20/7/05; Ferreira/FRL and others 16/6/07, 1/6/07, 31/5/07, 23/5/07, 2/4/07, 31/1/07, 18/12/06, 11/12/06, 11/112/06 (Ferreira), 7/12/06, 5/12/06, 23/11/06 (del 27/11/06), 23/11/06 (Information and Objections), 23/10/06, 20/6/06, 29/5/06, 20/4/06, 18/4/06, 13/4/06, 6/3/06, 13/1/06, 11/1/06, 3/1/06, 19/12/05, 19/12/05 (transcript), 6/12/05, 3/12/05, 2/12/05, 28/11/05, 23/11/05, 22/11/05 x 2, 31/5/05, 12/5/05, 21/4/05 (from 'FirstRand'/Ferreira), 5/4/05, 10/3/05.

1.2 Correspondence to Winterboer/PWCI and others 6/6/07,1/6/07, 31/5/07, 23/5/07, 2/4/07, 31/1/07, 26/1/07, 30/10/06, 23/10/06, 29/5/06, 24/5/06, 20/4/06, 18/4/06, 10/1/06, 3/1/06, 6/12/05, 23/6/05 refers.

1.3 Correspondence to DTT (and others) 6/6/07,1/6/07, 31/5/07, 23/5/07, 2/4/07, 31/1/07, 26/1/07, 30/10/06, 23/10/06, 29/5/06, 24/5/06, 20/4/06, 18/4/06, 10/1/06, 3/1/06, 6/12/05, 19/8/05 (from), 17/8/05, 16/8/05 (from), 15/8/05, 12/8/05, 11/8/05, 5/8/05 (from), 1/8/05, 20/7/05 (from), 23/6/05 refers.

1.4 Correspondence and very serious Complaints lodged with the IRBA/PAAB and The SAICA refers.

1.4.1 I will presume that you do have this correspondence and these very serious Complaints. Deloitte Touche Tomhatsu. To assist the IRBA/PAAB and The SAICA, at this early stage, I have stated that I believe RK Store, (director of this bank, Chairman of DTT, Good Governance Chairman and King 2 head at the bank, and so on) and V Naidoo and P Reynolds and BC Beaver and AW Brown and MH Rippon and RS Hislop and MJ Shaw and AD Wilkins and RMW Dunn and TJ Brown and DL Kennedy and GG Gelink and MG Crisp and OS Orbee and IRN Shaw and NT Mtoba (all CA Members of IRBA/PAAB and The SAICA, I think, who are Partners/Directors at Deloitte and Touche) are very involved and have the full detail and the full disclosure of the Crime. Of course, the "firm" DTT and all the Members/Partners/ Directors who are Members of IRBA/PAAB and The SAICA do, I believe, have the full detail and the full disclosure of the Crime. PricewaterhouseCoopers Inc. To further assist IRBA/PAAB and The SAICA, I have stated that I believe CA Members - T Winterboer and J Aubrey and J Bennett and C Beggs and IS Fourie and JTC Wilkinson (all CA Members of IRBA/PAAB and The SAICA, I think, who are Partners/Directors at PricewaterhouseCoopers Inc) are very involved and have the full detail and the full disclosure of the Crime. Of course, the "firm" PWCI and all the Members/Partners/ Directors who are Members of IRBA/PAAB and The SAICA do, I believe, have the full detail and the full disclosure of the Crime.

1.4.2 Kindly now supply your answers to these very serious Complaints. Thank you. 1.5 Your letter 19/8/05 also refers. 1.5.1 Notably - DTT have accepted the contents of correspondence addressed to DTT (and as well as to all your various clients) from August 2005, through to date.

1.5.1.1 Is this because Ferreira is not using the services of DR and DTT in matters that relate to 'FirstRand' but is dealing directly for the Directors, agents and Shareholders of FRL ? Yet Driman was at the 2006 FRL AGM, where he did speak.

1.5.1.1.1 What about all the other clients ? Are DR still representing Winterboer/PWCI, RK Store and TwvdHeever/DTT, Arnott and Uncer, the Managers/'Directors' at FRbHL and FNb e. g. Scheepers, Grondel, Jordaan, Lucas-Bull (ex) and so on ?

1.6 All previous correspondence to DTT and to your Principals, clients, lawyers refers. The contents is mostly not disputed or denied.

1.6.1 It is absolutely necessary for DTT to make sure that you obtain all the correspondence and all the Complaints addressed to your Principals and to the IRBA/PAAB, and to DR (who act for DTT ?) where DTT is addressed.

1.6.1.1 This is absolutely imperative for DTT to be able to answer all the Complaints and all the Charges which I have laid, and will be laying very shortly, again, with the Police Re the crimes of Theft, and Fraud and Organised Crime including 'money laundering' and 'round-tripping' and of 'Conspiracy' and of 'Corruption' and of 'Defeating the Ends of Justice' i. e. the latest Contraventions of the provisions of the Prevention of Organised Crime Act (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA) With fines of up R 100 million and imprisonment of up to 30 years !

1.6.1.1.1 Should DTT want any of the correspondence addressed to DTT (and others, including your Principals, clients, lawyers etc) then please advise me as a matter of URGENCY. Thank you.

1.6.1.1.1.1 I will be supplying the correspondence and the Complaints to the Police and to Interested Parties, including the Honourable Minister, and the Honourable Minister of Finance, amongst others, in the due coarse of time.

1.6.1.1.1.1.1 I place on record with DTT that your Principal's Chairman GT "ge-tuned" Ferreira has put himself out to me as representing DTT (as an agent of this bank/Public Company) in person and in correspondence, and so has Robert Drimen/DR.

2. I believe that Mr Robert Driman/DR are still the lawyers for the Directors of, and also for, this bank (FRbHL/FNb) and this Public Company (FRL). At the Enquiry in the presence of the Honourable Magistrate Mrs H Raath I believe Mr Robert Driman/DR were there representing the Directors of FRL/FRbHL/FNb and the Managers, such as Stott and Scheepers. I know, from past written advices which I have received from Mr Robert Driman/DR, that the Company Secretaries of these particular Companies (FRL/FRbHL/FNb) are also represented by Mr Robert Driman/DR. I recall being told that Mr Robert Driman/DR do represent Managers such as Stott (retired), Scheepers, Grobelaar, and all the 'sort of' directors at FNb, such as W Lucas-Bull (retired/left), 'big Ed' Grondel, Michael Jordaan and all the other 'sort of' directors at FNb. I recall being sent to Sandton, to see Mr Robert Driman/DR by the Head Office of FNb Homeloans because, I was told, 'Mr Robert Driman will sort you out'. I went to see Mr Robert Driman/DR to try to obtain full disclosure on the Fraud aspect of the Crime in regard to the bond on my and my wife's home. I went to discuss the Police Case opened against his clients, and others. (All I got then were denials and threats). That is when I first came into contact with Mr Robert Driman. I think Mr Robert Driman/DR represent some of the agents used by this bank/Public Company, but not all of these agents, but I stand to be corrected. Because it was during the time of the 'chosen tactic' to deny everything and to just threaten me, then my earnest enquiries to Robert Driman/DR to please tell me who exactly he (Driman) was representing e. g. Auditors DTT, PWCI; Theodore Willhelm vd Heever/the 'dummy' 'front' Liquidation Company of DTT/FRbHL Director RK Store and his DTT Partners; lawyers CB McEwan, Smit and Loundes; Advocates Masselle, Both, McEwan, and so on, was just, simply - denied with threats.

3. I record that 'not a peep' has been coming out of the Office of Mr Robert Driman/DR for so long now that it seems to me they have given up trying to deny everything and threaten me/threaten me and deny everything (which was their 'chosen tactic' for several years in the past) In the past they just chose to deny everything and to threaten me and they therefore chose not to (refused to) grasp the opportunity to respond to the Truth about all the Crime and all the LIES. They chose to stick to the LIES about me and about my family and about The Mazlen Trust which they prepared for their client, Ferreira, and for his co-Directors - with the purpose to deceive the Shareholders, the General Public, the News Media present, and to, with criminal intent Defame me and my family and The Mazlen Trust. That was at the 2003 AGM of FRL when Mr Robert Driman, representing DR, handed his 'infamous' pack of LIES/DR 'Statement - ME Harris' to the Chairman of this bank/Public Company so that he (Chairman Ferreira) could read it, to then become a permanent part of the Record of this Public Company, trying in their (Driman/DR/Ferreira) desperation to hide and to cover-over the Crime exceeding R100,000-00 in more than one instance which was known to the Directors of this bank/Public Company, and others.

It is something I will never accept.

4. What was so wrong (actually despicable and deserving of the strongest exposure I can muster, even in the High Court and then in the Constitutional Court) is the fact that Mr Robert Driman/DR had the full contents of affidavits and "detailed" correspondence totally denying and totally refuting the earlier LIES of Winterboer/PWCI (at the 2001 AGM of FRL) Mr Robert Driman/DR had many written appeals to various of his clients, as well as appeals to DR, to please stop with the LIES and to please replace the LIES with the Truth in the permanent Records of this Public Company. Instead, in an act of vicious criminality, and with utmost malice, and knowing the Truth beforehand, Mr Robert Driman/DR made a conscious choice. They chose to continue with the LIES of Winterboer/PWCI. They chose to perpetuate the LIES, to try in their desperation, for their various clients, to hide and to cover-over the Crime, which was known to Mr Robert Driman/DR and which was known to their clients, including the Directors of this bank/Public Company and these Auditors (DTT, PWCI). They, Mr Robert Driman/DR and their clients, and including Auditors DTT and PWCI, made the conscious decision, and the choice, to tell LIES to the Shareholders and to the General Public and to the News Media present to deceive and to Defame, with no regard for the consequences - to hell with the consequences.

5. Now the latest 'chosen tactic' of Mr Robert Driman/DR, for the time being, it seems to me, is to accept that which I have recorded to them, and to their various clients that they do represent/act for, and to leave it to Ferreira, (representing all the Directors of this bank and Public Company and all the agents involved, as well as the Shareholders) to deal with the remaining outstanding "issues".

6. It is the AGM's of FRL that Mr Robert Driman/DR and their clients have chosen as the 'forum' to discuss and to deal with the Crime and the LIES.

6.1 I have accepted that it is the best 'forum' I can achieve, because Mr Robert Driman/ DR and their clients (?) DTT and PWCI also (when they denied everything and just threatened me - for 4 years) wrote that they reserved their rights to respond in the right 'forum'. Then PWCI chose the 2001 AGM of FRL as the 'forum' to come with their LIES and their TASH. Mr Robert Driman/DR chose the 2003 AGM as their 'forum' to attack me with their LIES and their TRASH. I tabled the LIES of RK Store and his Partners/Directors at DTT - that they are not the secret shareholders of this 'dummy' 'front' Liquidation Company, 'run' by this 'dummy' 'front' lawyer, Theodore Wilhellm vd Heever, so that this bank/Public Company can make money from Liquidating and from Sequestrating Clients of this bank FRbHL/FNb - in secret.

7. I sent a copy of a similar appeal as this, to other Interested Parties, trying to achieve that which the FRL Chairman (Ferreira) has stated to me, in private and in Public Meetings of this Public Company, is his own desire, namely :

  • To "EXPUNGE" the LIES (his word), "Replace the LIES with the Truth" (my words) in the permanent Records of this Public Company.
  • To bring all the Crime and all the LIES before an Arbitrator to see "who is Right and who is wrong" - not just the totally wrongly stated Police Cases.
  • To Prosecute Criminals who have committed Crime, based on the known endorsement by all the Directors and fully supported by the agents (Auditors and lawyers of FRL) contained in the Annual Reports of FRL for the years 2001, 2002, 2003, 2004, 2005, 2006 and I am sure in previous years as well, and in the Code of Banking Practice, to which the Directors of this bank/Public Company say they subscribe.
FRL's Chairman's own stated desire is also my own stated commitment - so surely we can, working together for good, achieve our common goal.

8. I have asked Mr Driman/DR to, at last, 'come clean'. I asked Mr Driman to, at last, 'step forward' 'like a man'. I asked Mr Driman/DR to assist me to "EXPUNGE" the LIES/"Replace the LIES with the Truth" in the permanent Records of this Public Company. I asked Mr Driman/DR to, at last, assist the Police and the Prosecuting Authorities to Prosecute the Criminals for the Crime.

8.1 In all of the above I asked for the assistance of the Chairman of DR and the Partners/Directors of DR. The latest Contraventions of the provisions of the Prevention of Organised Crime Act (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA)

9. I intend to lay charges of Theft, and of Fraud and of Organised Crime including 'money laundering' and 'round-tripping' and of 'Conspiracy' and of 'Corruption' and of 'Defeating the Ends of Justice' against the following parties :-

9.1 The Directors of First Rand Limited, namely :- GT Ferreira (Chairman), PK Harris (CEO), VW Bartlett, D J A Craig LL Dippenaar, DM Falk, PM Goss, NN Gwagwa, , M W King, YI Mahomed, G Moloi, AP Nkuna, SE Nxasana, SEN Sebotsa KC Shubane, BJ van der Ross, Dr. F van Zyl Slabbert, R A Williams.

9.2 The Directors of FirstRand bank Limited. Names will be supplied when the details of the Organised Crime and the relevant dates become available, but will include GT Ferreira (Chairman), PK Harris (CEO), VW Bartlett, LL Dippenaar, RK Store and other Directors.

9.3 The 'sort of' Directors of First National bank/Ansbacher. Names will be supplied when the details of the Organised Crime and the relevant dates become available.

9.4 The Directors of Discovery Group. Names will be supplied when the details of the Organised Crime and the relevant dates become available, but will include LL Dippenaar, A Gore, B Swartzberg and other Directors.

9.5 The Company Secretaries Mr BW Uncer and Mr AH Arnott have legal responsibilities in terms of the Companies Act.

10. I intend to lay further charges of 'Conspiracy' and of 'Corruption' and of 'Defeating the Ends of Justice' against the following Interested Parties:

10.1 TW vd Heever, CR Qually, RK Store, D Peacock and the Directors and the Partners of, and, Deloitte Touche Tohmatsu ('Deloitte') and D&T trust (Pty) Ltd.

10.2 T Winterboer, C Beggs, JS Fourie, JTC Wilkinson and the Directors and the Partners of, and, PriceWaterhouseCoppers Inc.

10.3 R Driman, MJ Hart and the Directors, and the Partners of, and, Deneys Reitz.

10.4 SD Msomi, JH Dijkman and the Directors and Partners of, and, the South African Institute of Chartered Accountant.

10.5 J O'Connor and the Directors of, and, the Public Accountants' and Auditors Board/the IRBA.

10.6 Advocate J Marais, SE Nxasana and the Directors of, and, the Banking Association South Africa.

10.7 Advocates N Melville, JF Myburgh SC and the Directors of, and, the Ombudsman for Banking Services.

10.8 Advocates A Botha, HS Epstein SC, DI Berger SC, A Bester, CG Lamont SC, JLJC van Vuuren SC, van Eeden, G Wesson, G Clarke and the Bar Council/ Society of Advocates.

10.9 P Waugh and the Directors of, and, Fedile Trust (Pty) Ltd.

11. I will be laying these Charges of 'Conspiracy' and of 'Corruption' and of 'Defeating the Ends of Justice' against the Interested Parties named in 10.1 to 10.9 above for the reason that these named parties are supposed to have a Duty to assist me and the Police; to 'step forward' and assist us. Instead they are aiding the abetting these Criminals to continue with their Fraud and other related Crime (and even Defamation of my Character when I have tried to expose this known Crime) by simply 'turning their blind eyes' to the Crime. They have therefore made themselves party to the Crime. For this reason I will now include these Interested Parties in Charges relating to what is set out herein.

11.1 I have tried for years to get the Directors and their agents and the following Interested Parties, many of whom are represented by DR, I think : TW vd Heever, CR Qually, RK Store, D Peacock and the Directors and the Partners of, and, Deloitte Touche Tohmatsu ('Deloitte') and D&T trust (Pty) Ltd. T Winterboer, C Beggs, JS Fourie, JTC Wilkinson and the Directors and the Partners of, and, PriceWaterhouseCoppers Inc. R Driman, MJ Hart and the Directors, and the Partners of, and, Deneys Reitz. SD Msomi, JH Dijkman and the Directors and Partners of, and, the South African Institute of Chartered Accountant. J O'Connor and the Directors of, and, the Public Accountants' and Auditors Board/the IRBA. Advocate J Marais, SE Nxasana and the Directors of, and, the Banking Association South Africa. Advocates N Melville, JF Myburgh SC and the Directors of, and, the Ombudsman for Banking Services. Advocates A Botha, HS Epstein SC, DI Berger SC, A Bester, CG Lamont SC, JLJC van Vuuren SC, van Eeden, G Wesson, G Clarke and the Bar Council/Society of Advocates. P Waugh and the Directors of, and, Fedile Trust (Pty) Ltd. To assist me to get this problem resolved, before approaching the Police. They are all not interested. They all just 'turn their blind eyes' to this problem, - this problem of this Crime at FRL and the Falsification of the FRL AGM Minutes 2001, 2002, 2003, 2004, 2005, 2006. These Directors are actually protected from being exposed by these named Interested Parties, unfortunately.

11.2 Had these Interested Parties openly assisted me and the Police instead of consciously trying to assist these CROOKS to cover-over, and to get away with, known Crime, then this Organised Crime could have been prevented, and/or then Prosecutions could have been affected.

12. I will ask the South African Police Services to Investigate Charges based on what I have set out herein, and to criminally prosecute the party/parties who have perpetrated the crimes of Theft, and of Fraud and of Organised Crime including 'money laundering' and 'round-tripping' and of 'Conspiracy' and of 'Corruption' and of 'Defeating the Ends of Justice' against me in my person, and against me as a shareholder, and against the general body of Shareholders of the Public Company known as First Rand Limited (FRL) and against the General Public at large.

I further wish to place on record the following - I do so with the following Rights :

  1. I am a Shareholder in FRL.
  2. I have a Claim against FRL/FRbHL/FNb, having been Sequestrated by means of Fraud and other related Crime. I was also the director of Mazlen Holdings (Pty) Ltd which company was Liquidated by means of Fraud and other related Crime.
  3. I have opened about 17 Police Cases against the Directors of FRL, their agents and others. I am now recently aware of further known Crime involving the named Directors and 'sort of' Directors, on the one hand, and the Auditors PWCI and DTT, on the other hand. I am ready to now open a further 2 Police Cases against these parties involved in the known Crime.
  4. I am a concerned Citizen
  5. The Honourable State President has himself called upon the Accounting Profession to assist the Nation to root out Crime. It is CA's who are also named in the about 17 Police Cases. It is CA's (including the CEO of FRL for 9 years whilst all the known Crime was happening, LL Dippenaar CA) who are again involved in 2 Police Cases that I am shortly going to open (ref iii above)
  6. Poverty-stricken People are being arrested 'left right and centre' but here are wealthy 'fat cats' 'doing Crime' and using their Auditors to 'turn their blind eyes' away as if they agree. This is in breach of their Duty in terms of the Law and in terms of Acts of our Parliament. This is so wrong.
  7. The Crime is very serious Crime because it is in contravention of the Prevention of Organised Crime Act (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA) with fines of up R 100 million and imprisonment of up to 30 years ! Even then these Directors of this bank/Public Company and their CROOKED agents (Auditors DTT and PWCI) do not care because they seriously believe they are above the Law of the Land. They are not above the Law of the Land.
  8. By the parties named herein simply refusing to take this very serious on-going Crime seriously, the message that they are sending out to the People is that Crime is O.K. Just so long as it is these big big Public Companies, wealthy Directors and CROOKED Auditors who are 'doing the Crime'. That is so wrong. Then these same people wonder why the simple poor People 'do Crime', including violent Crime. Then you have these very same Directors (many of whom are CA's) wanting to mount a campaign to seriously embarrass and to 'hustle' the Office of the Honourable State President with letters of Complaint about the Crime.
  9. I have lodged very serious Complaints with the PAAB/IRBA and The SAICA and the ICS.

12.1 I will attach dividend cheques which I was paid but which I consistently have refused to cash because I advised the Directors of FRL that these payments were coming from the proceeds of known Crime.

I have in my possession four FNB (An authorised Financial Services Provider) Cheques, signed 'For and on behalf of FirstRand Limited' marked as INTERIM DIVIDEND :

12.1.1 I handed all previous dividend cheques back to the Chairman at FRL AGM's.

12.2 It is my belief, and I will request the Police, that all dividends paid from known Organised Crime should be confiscated by the Police and the guilty parties must be Prosecuted. This is in terms of the Prevention of Organised Crime Act (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA) The amounts involved exceed R 100,000-00 by far.

12.3 The FRL BEE deal is also involved because this deal was funded from money received from Organised Crime in regard to the purchase, running for a profit, and the disposal of this bank known as Ansbacher/FNb.

13. The above listed Criminal Activity relates to transactions involving R millions which took place at Sandton and to the "deposits", and then almost immediate withdrawal of, "dividends" as well as the commissions/ "profits" paid of R 225,000-00. The purpose of these Fraudulent transactions involving 'money laundering' and 'round-tripping' was to evade paying tax by the Directors of Discovery Group (a FirstRand subsidiary) with the assistance in this Fraud, by the Directors of FirstRand bank Holding Limited/FNb/ Anshbacher in exchange for the payment of commissions/"profits" (R 225,000-00) The Directors of FirstRand Limited have also involved themselves because the bank is owned by FRL with common Directors.

13.1 The Annual Reports of FRL do not reflect these Fraudulent transactions except that the commissions/ "profits" paid of R 225,000-00 are included.

13.2 This is Fraud to deceive the Shareholders of a Public Company and the General Public.

13.3 Had the Information been included about how this money was 'made' i. e. it was made on a fictitious Fraudulent transaction, known to the Directors of FRL (because the Chairman of Discovery and CEO of FRL was the same person - LL Dipenaar) the share price of the shares of this Public Company would have dropped.

13.4 The Auditors named in point 10.1 and 10.2 above must have known of this Crime, but also 'turned their blind eyes' to it because of the very fat fees of about R 80 million per annum they are paid (each) to do the books of this bank/Public Company.

13.4.1 The Auditors have signed off the AFS's and reported to the Shareholders that 'all is well'. Yet what of the Discovery/Ansbacher/FNb/FRbL/FRL commissions/"profits" of at least R 225,000-00 'earned' from known fictitious and Fraudulent transactions involving 'money laundering' and 'round-tripping' to evade paying tax by the Directors of Discovery Group ? What of this Crime ? This highly Organised Crime which was well known to Director LL Dippenaar when he was the CEO of FRL, and when DTT and PWCI were the Auditors ?

13.5 DR (named in point 1.3 above) are fully informed of this Crime. DR have in their possession a certain Court file in which the Fraud and other Crime is spelled out. I will require the Police to look into the contents of this Court file for the proof of the Charges which I will be laying against these parties. In fact I believe that this is 'just the tip of the ice-berg'. I believe that the Police will find more Crime identified in this Court file.

13.6 I have notified the above named parties that I regard this Organised Crime as being very serious because of the implications for the Shareholders of this Public Company, of which I myself am a Shareholder, and LIES and intentional omissions from the Annual Reports presented to the general body of Shareholders with Criminal Intent to Fraudulently deceive them, and the General Public at large, and to stop the share price of this Public Company from dropping.

13.7 I have called on the Directors of FRL to advise me how much the dividends are that have been paid out to Shareholders from the proceeds of Organised Crime.

14. I have in the past seen the necessity to lay other Criminal Charges against the Directors and against the agents and against the employees such as the managers, the Company Secretary, the lawyers, the Advocates, the Auditors, and the estate agents, of this Public Company FRL.

14.1 I will request the SAPS to also look at, and to seriously consider, these previous Criminal Charges together with my Statement concerning these Charges.

14.2 It is my belief, based on my personal experience, that this particular Public Company, First Rand Limited, it's Directors, it's employees, it's agents (lawyers, Advocates, Liquidators, estate agents) all believe that they can act with Criminal Intent and be involved in Criminal Activity -things like Theft, Fraud, Mis-representation of the Truth, "undue influence", Duress, Coercion, Defamation of Character, Threats of physical violence, (including murder), of 'Conspiracy', of 'Corruption' (including Bribery), of 'Defeating the Ends of Justice' including money laundering, and round tripping, and tax evasion simply because they are all above the Law of this Land, - in their own eyes.

14.2.1 They believe that the Law can not prosecute them because they have got away with this sort of Bad Behaviour and Bad and Illegal Business Practice for so long in the past.

14.2.2 They are 'too clever' for the SAPS to prosecute them, along with their agents, and working under the 'protection' of their agents - their lawyers, Advocates, Liquidators and estate agents - in their own eyes.

14.2.2.1 And they all have nothing to fear - the SAPS can do nothing - they are all too 'powerful' and all 'too clever' - using their agents to do their dirty work and to then also use these same agents to protect them from prosecution by the SAPS - in their own eyes.

15. To me this Public Company, these Directors and agents are not above the Law of the Land.

15.1 Not one of them is above the Law. 16. The Prisons of South Africa are full and over-flowing with Criminals. I know because I have worked for four years as a spiritual worker in the Prisons.

16.1 It is Right to Prosecute Criminals and to place them in Prison. 16.2 Yet how come these Criminals - these Directors, employees and their prized agents (Auditors, lawyers, Advocates, Liquidators and estate agents) people who break the Law, people who 'do Crime', are not Prosecuted ?

16.2.1 Is it only because they are so 'clever' ?

16.2.2 Or is it because this bank has such a lot of money to 'splash around' - e. g. to pay R 1 million Rand to a man with no banking experience who just happened to be the Minister of Transport when this bank, this Public Company, was awarded R billions of Rand worth of 'contracts' by the State ? i. e. "The FirstRand Limited/Marahaj Scandal".

16.2.3 Is it because this Public Company can pay R 60 million to the Irish Government that the Directors have assured me, as a shareholder in this Public Company, is not due and owing, but was paid because of all the time and expense it would have incurred defending what the Directors say is the Truth ? - i. e the "Ansbacher Scandal". And now this "Ansbacher Scandal" is revealing more Crime, including Organised Crime, the "Discovery/Anschbacher Scandal" Money Laundering, Tax Evasion, Theft, Fraud and so on (refer my other Statement to the Police submitted with this Statement to the Police) Even the FRL BEE deal and dividends from Organised Crime are now coming out.

16.3 I will refer the Police to the Company Secretary of FRL, Mr AH Arnott, and I will supply them with his contact tel 011 282 1808 and fax 282 8088. 16.3.1 Perhaps if the SAPS makes contact with this gentleman he is now in a position to assist the Police with the Investigations because at the meeting the Chairman of FRL said the bank has never even heard from the Police !

17. I ask DTT to obtain from FRL and DR and the other agents copies of all correspondence and my very serious Complaints (you should by now have them)

17.1 If DTT want any further information please notify me. I did already supply the SAPS with a copy of the Minutes of the meeting 23/2/05 where the Theft was discussed in detail with the Chairman of FRL, Ferreira, and with the Company Secretary, Arnott, and the subsequent letters where I again set out, and I high-lighted, the Theft - to the Directors of FRL.

17.1.1 I was requested to supply the Police with further details. This I did in a comprehensive letter dated 29/8/2005, copy was also attached to my Statement to the Police dated 25/5/05 OB 1355/05/2005 Case No. 450/05/05.

17.1.1.1 I can supply DTT with this Statement which should be read in conjunction with Case No 450/05/2005 and the other about 16 Police Cases opened against these CROOKS.

18. First National bank, has recently been advised to re-pay over R154 million to bond-holders who were also CHEATED. I hear that Bond-holders want to be refunded R 1 billion by First National bank (not just R 154 million)

18.1 Why I raise this is because it is the time that the People stand up to this bank and stop the greed and the Crime at this bank. We CA's and we need the Police to help us to do it, though.

19. I would like to mention the 'campaign' by the CEO of this bank/Public Company where he tried to flood the Office of the Honourable State President with letters of Complaint about the Crime in South Africa. This is Mr Paul Kenneth Harris (no relation of mine)

I have written and I have advised the parties that I intend to name in my Statement to the Police that I will help PK Harris. I will approach the Police about Serious Economic Crime right under his nose, where he (this PK Harris) is a huge beneficiary by way of his dividends from this Organised Crime where he himself was the CEO of this bank and now he is the CEO of this Public Company that owns this bank. So if anybody knows of this particular Crime it is PK Harris and his 'hustler' partners Director Dippenaar and Chairman GT "ge-tuned" Ferrerira.

I wrote and I asked them to kindly advise me, as a shareholder unwittingly receiving money from Organised Crime, what is my position in regard to the BEE deal ? My shares were reduced from 100 down to 92 in order to facilitate this BEE deal. Now I believe that this BEE deal has been financed by way of the proceeds from Organised Crime. I asked them - Is this True ? I asked them to please advise me URGENTLY. I wrote that I don't want to go to the Police with the wrong information.

19.1 This CEO of this Public Company, this CEO of this bank when the Organised Crime in regard to the "Discovery/Anschbacher Scandal" Money Laundering, Tax Evasion, Theft, Fraud and so on was in progress, PK Harris, he calls the Crime and the LIES in regard to me and my family and Mazlen and The Mazlen Trust "frivolous". To me all this known Crime and all these known LIES are by no means "frivolous". They are very serious, to me. I will never accept them. I have advised the parties listed in this Statement to the Police that I want to make that clear, if I have not done so in the past.

Over 40 years of my life's hard and honest work ROBBED from me and my family and The Mazlen Trust, and the Charities involved; Willie and Agnes ROBBED after 30 and 25 years hard and honest service to me. It is not "frivolous". Perhaps to a self-confessed 'hustler' (PK Harris) and his self-confessed 'hustler' co-Directors (Dippenaar and GT "ge-tuned" Ferrerira) who have made for themselves a few R Billion out of small Clients of this bank (like we were) it may seem to be "frivolous". But to us it is not a laughing matter, even though this vulgar man Dr vz Slabbert and Dippenaar and Ferreira find it all highly amusing, even funny.

19.2 But then, I believe, it is this same CEO of this bank for the past 8/9 years, present CEO of this Public Company, this self-confessed 'hustler' PK Harris, who has an attitude of total unconcerned dis-belief and self-asserted self-confidence - when confronted with the "Discovery/Anschbacher Scandal" Money Laundering, Tax Evasion, Theft, Fraud i. e. all this known Crime, he says he can see "nothing wrong", "nothing new" "business as usual" - "now, then, how can we help you" (to rob you blind) He says all these CROOKED FRL/FRbHL Directors, and all these CROOKED Shareholders, and all these CROOKED dealings and all this CHEATING is all known to the Authorities and that they all have been given amnesty, because all this CHEATING has been "dealt with". Time will tell.

(I do concede - it may not have been this particular self-confessed 'hustler' Paul K Harris, but it may have been the other self-confessed 'hustler' Laurie Dippenaar, or it may even have been the other self-confessed 'hustler' GT "ge-tuned" Ferreira who says the Authorities know of all this Organised Crime in contravention of the Prevention of Organised Crime Act and the Prevention and Combating of Corrupt Activities Act (PACCA) and who have granted all these CROOKS amnesty. Time will tell)

I see the same 'terminology' "dealt with" being used in regard to the CHEATING in the "Discovery/Anschbacher Scandal" Money Laundering, Tax Evasion, Theft, Fraud Organised Crime etc, as I see being used when I and my family and The Mazlen Trust and Willie and Agnes were also CHEATED by this bank/Public Company. When I am "thrown out" of FRL AGM's because I dare to try to expose known Crime exceeding R 100,000-00 (known to all the Directors of FRL/FRbHL) and when I dare to try to have known LIES about me and my wife and my family and The Mazlen Trust removed from the permanent Records of this Public Company because I will never accept that these known LIES stay there, and I will never accept the known Crime perpetrated against us. It is as simple as that.

20. I will request the Police to please Investigate and to assist me to Prosecute those guilty of this Crime against me as a Shareholder in this Public Company and as a concerned Citizen.

21. I have asked your Principals in my letter 15/6/07 (which you will have seen because the letter is also addressed to DTT as an agent) to grant me the permission to inspect the file in the DR Offices, removed from the High Court. (ref is at point 5.1 page 10) 21.1 I asked them to kindly advise me a suitable date and time. Or I asked whether I should just 'pitch up' ?

22. I ask you, Chairperson of DTT, and I ask all the Director and Partners at DTT - is it not the time to meet with me to discuss all this Crime and how we can assist the Police together ?

22.1 Ferreira says he wants the Truth in the Annual Financial Statements of this Public Company. His co-Directors have said the same. He also said he will "EXPUNGE" all the known LIES that he and his Auditors and Driman/DR and his CEO (PK Harris) intentionally told the Shareholders of this Public Company.

22.2 After the 7 days notice given to your Principals/clients (which you will have seen because the letter of notice 15/6/07 is also addressed to DTT/FRL agents) I will proceed to the Police and I will make a Statement largely based on the content of this letter, and what I have set out herein.

22.2.1 I will far prefer it if your Chairperson will accompany me and assist me and the Police with all this known very serious Crime involving Contraventions of the provisions of the Prevention of Organised Crime Act (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA).

Your sincerely,

M E Harris.

P. S. Please discuss the contents of this letter with FRL Company Secretary Arnott, because I intend to again approach the Minister about breaches of the Companies Act, as well as with all the different, varied, clients because I intend to further join the guilty parties under the 'Conspiracy' to commit Crime and the 'Corruption', Theft, and Fraud and Organised Crime including 'money laundering' and 'round-tripping' and of 'Defeating the Ends of Justice' aspects of the latest Crime which is by now well known to you, as the Auditors, and to the varied clients, as the Criminals. Thank you.

P. P. S. If there is anything in this letter with which you do not agree (or in the past correspondence over the last more than two years, including the correspondence to your clients) please say what it is, specifically. I intend to use the contents of this letter, to 'table' it at the 2007 AGM of FRL and to approach the High Court and then the Constitutional Court and to use the Truth set out above in Applications to these Courts, as well as, shortly, to the Police. Thank you again.

cc To Interested Parties.

Yours sincerely,

ME Harris.

GOD is Number 1.


'file' named - PricewaterhouseCoopers (23) + there are a further several hundred pages in earlier files :

(extract)

20/6/2007. Michael Harris.
Box 52240 Saxonwold 2132 Jhb.

The Chairman of the Board and
all of the Directors/Partners/Accountants/Members
registered with the Public Accountants' and Auditors Board and
all the Members of The SAICA and
PricewaterhouseCoopers Inc
Private Bag X 36, Sunninghill 2157, South Africa. Registered.

Dear Chairman and all of the Directors/Partners/Accountants/Members registered with the Public Accountants' and Auditors Board and Members of The SAICA and the Directors of your Liquidation Company,

  • Looking for our Arbitrator, or agreeing to come before a Judge.
  • 2006 FRL AGM 23/11/2006 - The False 1st , 2nd , 3rd and 4th 'drafts' and the 5th False 'final' Minutes signed by the Chairman dated 5th June 2007
  • About 17 Police Cases against the Directors of FRL and their agents. Charges of Theft, Fraud, Mis-representation of the Truth, "undue influence", Duress, Coercion, Defamation of Character, Threats of physical violence, (including murder), of 'Conspiracy', of 'Corruption' (including Bribery), of 'Defeating the Ends of Justice'/the Directors, CA's, Co. Secretaries First Rand Limited/FRbHL/FNb, their agents and others.
  • Contraventions of the provisions of the Prevention of Organised Crime Act (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA)
  • LIES told by Directors of this Public Company to Members of the General Public, to their Shareholders and to the News Media present - AGM's 2001, 2002, 2003, 2004, 2005, 2006; False Minutes of Public Meetings 2001, 2002, 2003, 2004, 2005, 2006; breaches of the Companies Act.
  • Unanswered queries, questions, requests for information, Minutes, in terms of the Companies Act.
1. My letters to attorneys DR (and others) 6/6/07,1/6/07, 31/5/07, 23/5/07, 2/4/07, 31/1/07, 26/1/07, 23/10/06, 29/5/06, 24/5/06, 20/4/06, 18/4/06, 3/1/06; to DR 30/10/06, 20/4/06, 18/4/06, 7/3/06, 10/1/06, 6/12/05, 12/6/05, 17/2/05, 7/2/05, 24/12/04, 21/12/04, 4/6/04 dealing with the 'general' Crime at FRL/FRbHL/FNb and dealing with the LIES of agents Winterboer/PWCI and Driman/DR and the LIES of CEO PK Harris and Chairman Ferreira and dealing with my affidavit 11/1/06 which is dealing with the Falsified 'draft' of the Minutes of the 2005 FRL AGM prepared by Arnott refer.

1.1 Correspondence to your Principals/clients refers :

1.1.1 To your clients - Mr Ed Grondel/FNb and others 17/8/05, Mrs Lucas Bull (ex)/FNb and others 17/8/05 and 21/7/05, Mr Michael Jordaan/FNb and others 7/8/05 and 20/7/05; Ferreira/FRL and others 16/6/07, 1/6/07, 31/5/07, 23/5/07, 2/4/07, 31/1/07, 18/12/06, 11/12/06, 11/112/06 (Ferreira), 7/12/06, 5/12/06, 23/11/06 (del 27/11/06), 23/11/06 (Information and Objections), 23/10/06, 20/6/06, 29/5/06, 20/4/06, 18/4/06, 13/4/06, 6/3/06, 13/1/06, 11/1/06, 3/1/06, 19/12/05, 19/12/05 (transcript), 6/12/05, 3/12/05, 2/12/05, 28/11/05, 23/11/05, 22/11/05 x 2, 31/5/05, 12/5/05, 21/4/05 (from 'FirstRand'/Ferreira), 5/4/05, 10/3/05.

1.2 Correspondence to Winterboer/PWCI and others 6/6/07,1/6/07, 31/5/07, 23/5/07, 2/4/07, 31/1/07, 26/1/07, 30/10/06, 23/10/06, 29/5/06, 24/5/06, 20/4/06, 18/4/06, 10/1/06, 3/1/06, 6/12/05, 23/6/05 refers.

1.3 Correspondence to DTT (and others) 6/6/07,1/6/07, 31/5/07, 23/5/07, 2/4/07, 31/1/07, 26/1/07, 30/10/06, 23/10/06, 29/5/06, 24/5/06, 20/4/06, 18/4/06, 10/1/06, 3/1/06, 6/12/05, 19/8/05 (from), 17/8/05, 16/8/05 (from), 15/8/05, 12/8/05, 11/8/05, 5/8/05 (from), 1/8/05, 20/7/05 (from), 23/6/05 refers.

1.4 Correspondence and very serious Complaints lodged with the IRBA/PAAB and The SAICA refers.

1.4.1 I will presume that you do have this correspondence and these very serious Complaints ?

Deloitte Touche Tomhatsu. To assist the IRBA/PAAB and The SAICA, at this early stage, I have stated that I believe RK Store, (director of this bank, Chairman of DTT, Good Governance Chairman and King 2 head at the bank, and so on) and V Naidoo and P Reynolds and BC Beaver and AW Brown and MH Rippon and RS Hislop and MJ Shaw and AD Wilkins and RMW Dunn and TJ Brown and DL Kennedy and GG Gelink and MG Crisp and OS Orbee and IRN Shaw and NT Mtoba (all CA Members of The SAICA, I think, who are Partners/Directors at Deloitte and Touche) are very involved and have the full detail and the full disclosure of the Crime. Of course, the "firm" DTT and all the Members/Partners/ Directors who are Members of IRBA/PAAB and The SAICA do, I believe, have the full detail and the full disclosure of the Crime.

PricewaterhouseCoopers Inc. To further assist IRBA/PAAB and The SAICA, I have stated that I believe CA Members - T Winterboer and J Aubrey and J Bennett and C Beggs and IS Fourie and JTC Wilkinson (all CA Members of IRBA/PAAB and The SAICA, I think, who are Partners/Directors at PricewaterhouseCoopers Inc) are very involved and have the full detail and the full disclosure of the Crime. Of course, the "firm" PWCI and all the Members/Partners/ Directors who are Members of IRBA/PAAB and The SAICA do, I believe, have the full detail and the full disclosure of the Crime.

1.4.2 Kindly now supply your answers to these very serious Complaints. Thank you.

1.5 Your letter 22/2/05 also refers.

1.5.1 Notably - PWCI have accepted the contents of correspondence addressed to DTT (and as well as to all your various clients) from February 2005, through to date.

1.5.1.1 Is this because Ferreira is not using the services of DR and PWCI in matters that relate to 'FirstRand' but is dealing directly for the Directors, agents and Shareholders of FRL ? Yet Driman was at the 2006 FRL AGM, where he did speak.

1.5.1.1.1 What about all your other clients ? Are DR still representing Winterboer/PWCI, RK Store and TwvdHeever/DTT, Arnott and Uncer, the Managers/'Directors' at FRbHL and FNb e. g. Scheepers, Grondel, Jordaan, Lucas-Bull (ex) and so on ?

1.6 All previous correspondence to PWCI and to your Principals, clients, lawyers refers. The contents is mostly not disputed or denied.

1.6.1 It is absolutely necessary for PWCI to make sure that you obtain all the correspondence and all the Complaints addressed to your Principals and to the IRBA/PAAB, and to DR (who act for PWCI ?) where PWCI is addressed.

1.6.1.1 This is absolutely imperative for PWCI to be able to answer all the Complaints and all the Charges which I have laid, and will be laying very shortly, again, with the Police Re the crimes of Theft, and Fraud and Organised Crime including 'money laundering' and 'round-tripping' and of 'Conspiracy' and of 'Corruption' and of 'Defeating the Ends of Justice' i. e. the latest Contraventions of the provisions of the Prevention of Organised Crime Act (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA) With fines of up R 100 million and imprisonment of up to 30 years !

1.6.1.1.1 Should PWCI want any of the correspondence addressed to PWCI (and others, including your Principals, clients, lawyers etc) then please advise me as a matter of URGENCY. Thank you.

1.6.1.1.1.1 I will be supplying the correspondence and the Complaints to the Police and to Interested Parties, including the Honourable Minister, and the Honourable Minister of Finance, amongst others, in the due coarse of time.

1.6.1.1.1.1.1 I place on record with PWCI that your Principal's Chairman GT "ge-tuned" Ferreira has put himself out to me as representing PWCI (as an agent of this bank/Public Company) in person and in correspondence, and so has Robert Drimen/DR.

2. I believe that Mr Robert Driman/DR are still the lawyers for the Directors of, and also for, this bank (FRbHL/FNb) and this Public Company (FRL). At the Enquiry in the presence of the Honourable Magistrate Mrs H Raath I believe Mr Robert Driman/DR were there representing the Directors of FRL/FRbHL/FNb and the Managers, such as Stott and Scheepers. I know, from past written advices which I have received from Mr Robert Driman/DR, that the Company Secretaries of these particular Companies (FRL/FRbHL/FNb) are also represented by Mr Robert Driman/DR. I recall being told that Mr Robert Driman/DR do represent Managers such as Stott (retired), Scheepers, Grobelaar, and all the 'sort of' directors at FNb, such as W Lucas-Bull (retired/left), 'big Ed' Grondel, Michael Jordaan and all the other 'sort of' directors at FNb. I recall being sent to Sandton, to see Mr Robert Driman/DR by the Head Office of FNb Homeloans because, I was told, 'Mr Robert Driman will sort you out'. I went to see Mr Robert Driman/DR to try to obtain full disclosure on the Fraud aspect of the Crime in regard to the bond on my and my wife's home. I went to discuss the Police Case opened against his clients, and others. (All I got then were denials and threats). That is when I first came into contact with Mr Robert Driman. I think Mr Robert Driman/DR represent some of the agents used by this bank/Public Company, but not all of these agents, but I stand to be corrected. Because it was during the time of the 'chosen tactic' to deny everything and to just threaten me, then my earnest enquiries to Robert Driman/DR to please tell me who exactly he (Driman) was representing e. g. Auditors DTT, PWCI; Theodore Willhelm vd Heever/the 'dummy' 'front' Liquidation Company of DTT/FRbHL Director RK Store and his DTT Partners; lawyers CB McEwan, Smit and Loundes; Advocates Masselle, Both, McEwan, and so on, was just, simply - denied with threats.

3. I record that 'not a peep' has been coming out of the Office of Mr Robert Driman/DR for so long now that it seems to me they have given up trying to deny everything and threaten me/threaten me and deny everything (which was their 'chosen tactic' for several years in the past) In the past they just chose to deny everything and to threaten me and they therefore chose not to (refused to) grasp the opportunity to respond to the Truth about all the Crime and all the LIES. They chose to stick to the LIES about me and about my family and about The Mazlen Trust which they prepared for their client, Ferreira, and for his co-Directors - with the purpose to deceive the Shareholders, the General Public, the News Media present, and to, with criminal intent Defame me and my family and The Mazlen Trust. That was at the 2003 AGM of FRL when Mr Robert Driman, representing DR, handed his 'infamous' pack of LIES/DR 'Statement - ME Harris' to the Chairman of this bank/Public Company so that he (Chairman Ferreira) could read it, to then become a permanent part of the Record of this Public Company, trying in their (Driman/DR/Ferreira) desperation to hide and to cover-over the Crime exceeding R100,000-00 in more than one instance which was known to the Directors of this bank/Public Company, and others. It is something I will never accept.

4. What was so wrong (actually despicable and deserving of the strongest exposure I can muster, even in the High Court and then in the Constitutional Court) is the fact that Mr Robert Driman/DR had the full contents of affidavits and "detailed" correspondence totally denying and totally refuting the earlier LIES of Winterboer/PWCI (at the 2001 AGM of FRL) Mr Robert Driman/DR had many written appeals to various of his clients, as well as appeals to DR, to please stop with the LIES and to please replace the LIES with the Truth in the permanent Records of this Public Company. Instead, in an act of vicious criminality, and with utmost malice, and knowing the Truth beforehand, Mr Robert Driman/DR made a conscious choice. They chose to continue with the LIES of Winterboer/PWCI. They chose to perpetuate the LIES, to try in their desperation, for their various clients, to hide and to cover-over the Crime, which was known to Mr Robert Driman/DR and which was known to their clients, including the Directors of this bank/Public Company and these Auditors (DTT, PWCI). They, Mr Robert Driman/DR and their clients, and including Auditors DTT and PWCI, made the conscious decision, and the choice, to tell LIES to the Shareholders and to the General Public and to the News Media present to deceive and to Defame, with no regard for the consequences - to hell with the consequences.

5. Now the latest 'chosen tactic' of Mr Robert Driman/DR, for the time being, it seems to me, is to accept that which I have recorded to them, and to their various clients that they do represent/act for, and to leave it to Ferreira, (representing all the Directors of this bank and Public Company and all the agents involved, as well as the Shareholders) to deal with the remaining outstanding "issues".

6. It is the AGM's of FRL that Mr Robert Driman/DR and their clients have chosen as the 'forum' to discuss and to deal with the Crime and the LIES.

6.1 I have accepted that it is the best 'forum' I can achieve, because Mr Robert Driman/ DR and their clients (?) DTT and PWCI also (when they denied everything and just threatened me - for 4 years) wrote that they reserved their rights to respond in the right 'forum'. Then PWCI chose the 2001 AGM of FRL as the 'forum' to come with their LIES and their TASH. Mr Robert Driman/DR chose the 2003 AGM as their 'forum' to attack me with their LIES and their TRASH. I tabled the LIES of RK Store and his Partners/Directors at DTT - that they are not the secret shareholders of this 'dummy' 'front' Liquidation Company, 'run' by this 'dummy' 'front' lawyer, Theodore Wilhellm vd Heever, so that this bank/Public Company can make money from Liquidating and from Sequestrating Clients of this bank FRbHL/FNb - in secret.

7. I sent a copy of a similar appeal as this, to other Interested Parties, trying to achieve that which the FRL Chairman (Ferreira) has stated to me, in private and in Public Meetings of this Public Company, is his own desire, namely :

  • To "EXPUNGE" the LIES (his word), "Replace the LIES with the Truth" (my words) in the permanent Records of this Public Company.
  • To bring all the Crime and all the LIES before an Arbitrator to see "who is Right and who is wrong" - not just the totally wrongly stated Police Cases.
  • To Prosecute Criminals who have committed Crime, based on the known endorsement by all the Directors and fully supported by the agents (Auditors and lawyers of FRL) contained in the Annual Reports of FRL for the years 2001, 2002, 2003, 2004, 2005, 2006 and I am sure in previous years as well, and in the Code of Banking Practice, to which the Directors of this bank/Public Company say they subscribe.
  • FRL's Chairman's own stated desire is also my own stated commitment - so surely we can, working together for good, achieve our common goal.

8. I have asked Mr Driman/DR to, at last, 'come clean'. I asked Mr Driman to, at last, 'step forward' 'like a man'. I asked Mr Driman/DR to assist me to "EXPUNGE" the LIES/"Replace the LIES with the Truth" in the permanent Records of this Public Company. I asked Mr Driman/DR to, at last, assist the Police and the Prosecuting Authorities to Prosecute the Criminals for the Crime.

8.1 In all of the above I asked for the assistance of the Chairman of DR and the Partners/Directors of DR. The latest Contraventions of the provisions of the Prevention of Organised Crime Act (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA)

9. I intend to lay charges of Theft, and of Fraud and of Organised Crime including 'money laundering' and 'round-tripping' and of 'Conspiracy' and of 'Corruption' and of 'Defeating the Ends of Justice' against the following parties :-

9.1 The Directors of First Rand Limited, namely :- GT Ferreira (Chairman), PK Harris (CEO), VW Bartlett, D J A Craig LL Dippenaar, DM Falk, PM Goss, NN Gwagwa, , M W King, YI Mahomed, G Moloi, AP Nkuna, SE Nxasana, SEN Sebotsa KC Shubane, BJ van der Ross, Dr. F van Zyl Slabbert, R A Williams.

9.2 The Directors of FirstRand bank Limited. Names will be supplied when the details of the Organised Crime and the relevant dates become available, but will include GT Ferreira (Chairman), PK Harris (CEO), VW Bartlett, LL Dippenaar, RK Store and other Directors.

9.3 The 'sort of' Directors of First National bank/Ansbacher. Names will be supplied when the details of the Organised Crime and the relevant dates become available.

9.4 The Directors of Discovery Group. Names will be supplied when the details of the Organised Crime and the relevant dates become available, but will include LL Dippenaar, A Gore, B Swartzberg and other Directors.

9.5 The Company Secretaries Mr BW Uncer and Mr AH Arnott have legal responsibilities in terms of the Companies Act.

10. I intend to lay further charges of 'Conspiracy' and of 'Corruption' and of 'Defeating the Ends of Justice' against the following Interested Parties:

10.1 TW vd Heever, CR Qually, RK Store, D Peacock and the Directors and the Partners of, and, Deloitte Touche Tohmatsu ('Deloitte') and D&T trust (Pty) Ltd.

10.2 T Winterboer, C Beggs, JS Fourie, JTC Wilkinson and the Directors and the Partners of, and, PriceWaterhouseCoppers Inc.

10.3 R Driman, MJ Hart and the Directors, and the Partners of, and, Deneys Reitz.

10.4 SD Msomi, JH Dijkman and the Directors and Partners of, and, the South African Institute of Chartered Accountant.

10.5 J O'Connor and the Directors of, and, the Public Accountants' and Auditors Board/the IRBA.

10.6 Advocate J Marais, SE Nxasana and the Directors of, and, the Banking Association South Africa.

10.7 Advocates N Melville, JF Myburgh SC and the Directors of, and, the Ombudsman for Banking Services.

10.8 Advocates A Botha, HS Epstein SC, DI Berger SC, A Bester, CG Lamont SC, JLJC van Vuuren SC, van Eeden, G Wesson, G Clarke and the Bar Council/ Society of Advocates.

10.9 P Waugh and the Directors of, and, Fedile Trust (Pty) Ltd.

11. I will be laying these Charges of 'Conspiracy' and of 'Corruption' and of 'Defeating the Ends of Justice' against the Interested Parties named in 10.1 to 10.9 above for the reason that these named parties are supposed to have a Duty to assist me and the Police; to 'step forward' and assist us. Instead they are aiding the abetting these Criminals to continue with their Fraud and other related Crime (and even Defamation of my Character when I have tried to expose this known Crime) by simply 'turning their blind eyes' to the Crime. They have therefore made themselves party to the Crime. For this reason I will now include these Interested Parties in Charges relating to what is set out herein.

11.1 I have tried for years to get the Directors and their agents and the following Interested Parties, many of whom are represented by DR, I think : TW vd Heever, CR Qually, RK Store, D Peacock and the Directors and the Partners of, and, Deloitte Touche Tohmatsu ('Deloitte') and D&T trust (Pty) Ltd. T Winterboer, C Beggs, JS Fourie, JTC Wilkinson and the Directors and the Partners of, and, PriceWaterhouseCoppers Inc. R Driman, MJ Hart and the Directors, and the Partners of, and, Deneys Reitz. SD Msomi, JH Dijkman and the Directors and Partners of, and, the South African Institute of Chartered Accountant. J O'Connor and the Directors of, and, the Public Accountants' and Auditors Board/the IRBA. Advocate J Marais, SE Nxasana and the Directors of, and, the Banking Association South Africa. Advocates N Melville, JF Myburgh SC and the Directors of, and, the Ombudsman for Banking Services. Advocates A Botha, HS Epstein SC, DI Berger SC, A Bester, CG Lamont SC, JLJC van Vuuren SC, van Eeden, G Wesson, G Clarke and the Bar Council/Society of Advocates. P Waugh and the Directors of, and, Fedile Trust (Pty) Ltd. To assist me to get this problem resolved, before approaching the Police. They are all not interested. They all just 'turn their blind eyes' to this problem, - this problem of this Crime at FRL and the Falsification of the FRL AGM Minutes 2001, 2002, 2003, 2004, 2005, 2006. These Directors are actually protected from being exposed by these named Interested Parties, unfortunately.

11.2 Had these Interested Parties openly assisted me and the Police instead of consciously trying to assist these CROOKS to cover-over, and to get away with, known Crime, then this Organised Crime could have been prevented, and/or then Prosecutions could have been affected.

12. I will ask the South African Police Services to Investigate Charges based on what I have set out herein, and to criminally prosecute the party/parties who have perpetrated the crimes of Theft, and of Fraud and of Organised Crime including 'money laundering' and 'round-tripping' and of 'Conspiracy' and of 'Corruption' and of 'Defeating the Ends of Justice' against me in my person, and against me as a shareholder, and against the general body of Shareholders of the Public Company known as First Rand Limited (FRL) and against the General Public at large. I further wish to place on record the following - I do so with the following Rights : I I am a Shareholder in FRL. Ii I have a Claim against FRL/FRbHL/FNb, having been Sequestrated by means of Fraud and other related Crime. I was also the director of Mazlen Holdings (Pty) Ltd which company was Liquidated by means of Fraud and other related Crime. iii I have opened about 17 Police Cases against the Directors of FRL, their agents and others. I am now recently aware of further known Crime involving the named Directors and 'sort of' Directors, on the one hand, and the Auditors PWCI and DTT, on the other hand. I am ready to now open a further 2 Police Cases against these parties involved in the known Crime. iv I am a concerned Citizen v The Honourable State President has himself called upon the Accounting Profession to assist the Nation to root out Crime. It is CA's who are also named in the about 17 Police Cases. It is CA's (including the CEO of FRL for 9 years whilst all the known Crime was happening, LL Dippenaar CA) who are again involved in 2 Police Cases that I am shortly going to open (ref iii above) vi Poverty-stricken People are being arrested 'left right and centre' but here are wealthy 'fat cats' 'doing Crime' and using their Auditors to 'turn their blind eyes' away as if they agree. This is in breach of their Duty in terms of the Law and in terms of Acts of our Parliament. This is so wrong. Vii The Crime is very serious Crime because it is in contravention of the Prevention of Organised Crime Act (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA) with fines of up R 100 million and imprisonment of up to 30 years ! Even then these Directors of this bank/Public Company and their CROOKED agents (Auditors DTT and PWCI) do not care because they seriously believe they are above the Law of the Land. They are not above the Law of the Land. Viii By the parties named herein simply refusing to take this very serious on-going Crime seriously, the message that they are sending out to the People is that Crime is O.K. Just so long as it is these big big Public Companies, wealthy Directors and CROOKED Auditors who are 'doing the Crime'. That is so wrong. Then these same people wonder why the simple poor People 'do Crime', including violent Crime. Then you have these very same Directors (many of whom are CA's) wanting to mount a campaign to seriously embarrass and to 'hustle' the Office of the Honourable State President with letters of Complaint about the Crime. xix I have lodged very serious Complaints with the PAAB/IRBA and The SAICA and the ICS.

12.1 I will attach dividend cheques which I was paid but which I consistently have refused to cash because I advised the Directors of FRL that these payments were coming from the proceeds of known Crime. I have in my possession four FNB (An authorised Financial Services Provider) Cheques, signed 'For and on behalf of FirstRand Limited' marked as INTERIM DIVIDEND :

12.1.1 I handed all previous dividend cheques back to the Chairman at FRL AGM's.

12.2 It is my belief, and I will request the Police, that all dividends paid from known Organised Crime should be confiscated by the Police and the guilty parties must be Prosecuted. This is in terms of the Prevention of Organised Crime Act (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA) The amounts involved exceed R 100,000-00 by far.

12.3 The FRL BEE deal is also involved because this deal was funded from money received from Organised Crime in regard to the purchase, running for a profit, and the disposal of this bank known as Ansbacher/FNb. 13. The above listed Criminal Activity relates to transactions involving R millions which took place at Sandton and to the "deposits", and then almost immediate withdrawal of, "dividends" as well as the commissions/ "profits" paid of R 225,000-00. The purpose of these Fraudulent transactions involving 'money laundering' and 'round-tripping' was to evade paying tax by the Directors of Discovery Group (a FirstRand subsidiary) with the assistance in this Fraud, by the Directors of FirstRand bank Holding Limited/FNb/ Anshbacher in exchange for the payment of commissions/"profits" (R 225,000-00) The Directors of FirstRand Limited have also involved themselves because the bank is owned by FRL with common Directors. 13.1 The Annual Reports of FRL do not reflect these Fraudulent transactions except that the commissions/ "profits" paid of R 225,000-00 are included.

13.2 This is Fraud to deceive the Shareholders of a Public Company and the General Public.

13.3 Had the Information been included about how this money was 'made' i. e. it was made on a fictitious Fraudulent transaction, known to the Directors of FRL (because the Chairman of Discovery and CEO of FRL was the same person - LL Dipenaar) the share price of the shares of this Public Company would have dropped.

13.4 The Auditors named in point 10.1 and 10.2 above must have known of this Crime, but also 'turned their blind eyes' to it because of the very fat fees of about R 80 million per annum they are paid (each) to do the books of this bank/Public Company.

13.4.1 The Auditors have signed off the AFS's and reported to the Shareholders that 'all is well'. Yet what of the Discovery/Ansbacher/FNb/FRbL/FRL commissions/"profits" of at least R 225,000-00 'earned' from known fictitious and Fraudulent transactions involving 'money laundering' and 'round-tripping' to evade paying tax by the Directors of Discovery Group ? What of this Crime ? This highly Organised Crime which was well known to Director LL Dippenaar when he was the CEO of FRL, and when DTT and PWCI were the Auditors ?

13.5 DR (named in point 1.3 above) are fully informed of this Crime. DR have in their possession a certain Court file in which the Fraud and other Crime is spelled out. I will require the Police to look into the contents of this Court file for the proof of the Charges which I will be laying against these parties. In fact I believe that this is 'just the tip of the ice-berg'. I believe that the Police will find more Crime identified in this Court file.

13.6 I have notified the above named parties that I regard this Organised Crime as being very serious because of the implications for the Shareholders of this Public Company, of which I myself am a Shareholder, and LIES and intentional omissions from the Annual Reports presented to the general body of Shareholders with Criminal Intent to Fraudulently deceive them, and the General Public at large, and to stop the share price of this Public Company from dropping.

13.7 I have called on the Directors of FRL to advise me how much the dividends are that have been paid out to Shareholders from the proceeds of Organised Crime.

14. I have in the past seen the necessity to lay other Criminal Charges against the Directors and against the agents and against the employees such as the managers, the Company Secretary, the lawyers, the Advocates, the Auditors, and the estate agents, of this Public Company FRL.

14.1 I will request the SAPS to also look at, and to seriously consider, these previous Criminal Charges together with my Statement concerning these Charges.

14.2 It is my belief, based on my personal experience, that this particular Public Company, First Rand Limited, it's Directors, it's employees, it's agents (lawyers, Advocates, Liquidators, estate agents) all believe that they can act with Criminal Intent and be involved in Criminal Activity -things like Theft, Fraud, Mis-representation of the Truth, "undue influence", Duress, Coercion, Defamation of Character, Threats of physical violence, (including murder), of 'Conspiracy', of 'Corruption' (including Bribery), of 'Defeating the Ends of Justice' including money laundering, and round tripping, and tax evasion simply because they are all above the Law of this Land, - in their own eyes.

14.2.1 They believe that the Law can not prosecute them because they have got away with this sort of Bad Behaviour and Bad and Illegal Business Practice for so long in the past.

14.2.2 They are 'too clever' for the SAPS to prosecute them, along with their agents, and working under the 'protection' of their agents - their lawyers, Advocates, Liquidators and estate agents - in their own eyes.

14.2.2.1 And they all have nothing to fear - the SAPS can do nothing - they are all too 'powerful' and all 'too clever' - using their agents to do their dirty work and to then also use these same agents to protect them from prosecution by the SAPS - in their own eyes.

15. To me this Public Company, these Directors and agents are not above the Law of the Land.

15.1 Not one of them is above the Law. 16. The Prisons of South Africa are full and over-flowing with Criminals. I know because I have worked for four years as a spiritual worker in the Prisons.

16.1 It is Right to Prosecute Criminals and to place them in Prison. 16.2 Yet how come these Criminals - these Directors, employees and their prized agents (Auditors, lawyers, Advocates, Liquidators and estate agents) people who break the Law, people who 'do Crime', are not Prosecuted ?

16.2.1 Is it only because they are so 'clever' ?

16.2.2 Or is it because this bank has such a lot of money to 'splash around' - e. g. to pay R 1 million Rand to a man with no banking experience who just happened to be the Minister of Transport when this bank, this Public Company, was awarded R billions of Rand worth of 'contracts' by the State ? i. e. "The FirstRand Limited/Marahaj Scandal".

16.2.3 Is it because this Public Company can pay R 60 million to the Irish Government that the Directors have assured me, as a shareholder in this Public Company, is not due and owing, but was paid because of all the time and expense it would have incurred defending what the Directors say is the Truth ? - i. e the "Ansbacher Scandal". And now this "Ansbacher Scandal" is revealing more Crime, including Organised Crime, the "Discovery/Anschbacher Scandal" Money Laundering, Tax Evasion, Theft, Fraud and so on (refer my other Statement to the Police submitted with this Statement to the Police) Even the FRL BEE deal and dividends from Organised Crime are now coming out.

16.3 I will refer the Police to the Company Secretary of FRL, Mr AH Arnott, and I will supply them with his contact tel 011 282 1808 and fax 282 8088.

16.3.1 Perhaps if the SAPS makes contact with this gentleman he is now in a position to assist the Police with the Investigations because at the meeting the Chairman of FRL said the bank has never even heard from the Police ! 17. I ask PWCI to obtain from FRL and DR and the other agents copies of all correspondence and my very serious Complaints (you should by now have them) 17.1 If PWCI want any further information please notify me. I did already supply the SAPS with a copy of the Minutes of the meeting 23/2/05 where the Theft was discussed in detail with the Chairman of FRL, Ferreira, and with the Company Secretary, Arnott, and the subsequent letters where I again set out, and I high-lighted, the Theft - to the Directors of FRL.

17.1.1 I was requested to supply the Police with further details. This I did in a comprehensive letter dated 29/8/2005, copy was also attached to my Statement to the Police dated 25/5/05 OB 1355/05/2005 Case No. 450/05/05. 17.1.1.1 I can supply DTT with this Statement which should be read in conjunction with Case No 450/05/2005 and the other about 16 Police Cases opened against these CROOKS.

18. First National bank, has recently been advised to re-pay over R154 million to bond-holders who were also CHEATED. I hear that Bond-holders want to be refunded R 1 billion by First National bank (not just R 154 million)

18.1 Why I raise this is because it is the time that the People stand up to this bank and stop the greed and the Crime at this bank. We CA's and we need the Police to help us to do it, though.

19. I would like to mention the 'campaign' by the CEO of this bank/Public Company where he tried to flood the Office of the Honourable State President with letters of Complaint about the Crime in South Africa. This is Mr Paul Kenneth Harris (no relation of mine) I have written and I have advised the parties that I intend to name in my Statement to the Police that I will help PK Harris. I will approach the Police about Serious Economic Crime right under his nose, where he (this PK Harris) is a huge beneficiary by way of his dividends from this Organised Crime where he himself was the CEO of this bank and now he is the CEO of this Public Company that owns this bank. So if anybody knows of this particular Crime it is PK Harris and his 'hustler' partners Director Dippenaar and Chairman GT "ge-tuned" Ferrerira. I wrote and I asked them to kindly advise me, as a shareholder unwittingly receiving money from Organised Crime, what is my position in regard to the BEE deal ? My shares were reduced from 100 down to 92 in order to facilitate this BEE deal. Now I believe that this BEE deal has been financed by way of the proceeds from Organised Crime. I asked them - Is this True ? I asked them to please advise me URGENTLY. I wrote that I don't want to go to the Police with the wrong information.

19.1 This CEO of this Public Company, this CEO of this bank when the Organised Crime in regard to the "Discovery/Anschbacher Scandal" Money Laundering, Tax Evasion, Theft, Fraud and so on was in progress, PK Harris, he calls the Crime and the LIES in regard to me and my family and Mazlen and The Mazlen Trust "frivolous". To me all this known Crime and all these known LIES are by no means "frivolous". They are very serious, to me. I will never accept them. I have advised the parties listed in this Statement to the Police that I want to make that clear, if I have not done so in the past. Over 40 years of my life's hard and honest work ROBBED from me and my family and The Mazlen Trust, and the Charities involved; Willie and Agnes ROBBED after 30 and 25 years hard and honest service to me. It is not "frivolous". Perhaps to a self-confessed 'hustler' (PK Harris) and his self-confessed 'hustler' co-Directors (Dippenaar and GT "ge-tuned" Ferrerira) who have made for themselves a few R Billion out of small Clients of this bank (like we were) it may seem to be "frivolous". But to us it is not a laughing matter, even though this vulgar man Dr vz Slabbert and Dippenaar and Ferreira find it all highly amusing, even funny.

19.2 But then, I believe, it is this same CEO of this bank for the past 8/9 years, present CEO of this Public Company, this self-confessed 'hustler' PK Harris, who has an attitude of total unconcerned dis-belief and self-asserted self-confidence - when confronted with the "Discovery/Anschbacher Scandal" Money Laundering, Tax Evasion, Theft, Fraud i. e. all this known Crime, he says he can see "nothing wrong", "nothing new" "business as usual" - "now, then, how can we help you" (to rob you blind) He says all these CROOKED FRL/FRbHL Directors, and all these CROOKED Shareholders, and all these CROOKED dealings and all this CHEATING is all known to the Authorities and that they all have been given amnesty, because all this CHEATING has been "dealt with". Time will tell. (I do concede - it may not have been this particular self-confessed 'hustler' Paul K Harris, but it may have been the other self-confessed 'hustler' Laurie Dippenaar, or it may even have been the other self-confessed 'hustler' GT "ge-tuned" Ferreira who says the Authorities know of all this Organised Crime in contravention of the Prevention of Organised Crime Act and the Prevention and Combating of Corrupt Activities Act (PACCA) and who have granted all these CROOKS amnesty. Time will tell) I see the same 'terminology' "dealt with" being used in regard to the CHEATING in the "Discovery/Anschbacher Scandal" Money Laundering, Tax Evasion, Theft, Fraud Organised Crime etc, as I see being used when I and my family and The Mazlen Trust and Willie and Agnes were also CHEATED by this bank/Public Company. When I am "thrown out" of FRL AGM's because I dare to try to expose known Crime exceeding R 100,000-00 (known to all the Directors of FRL/FRbHL) and when I dare to try to have known LIES about me and my wife and my family and The Mazlen Trust removed from the permanent Records of this Public Company because I will never accept that these known LIES stay there, and I will never accept the known Crime perpetrated against us. It is as simple as that.

20. I will request the Police to please Investigate and to assist me to Prosecute those guilty of this Crime against me as a Shareholder in this Public Company and as a concerned Citizen.

21. I have asked your Principals in my letter 15/6/07 (which you will have seen because the letter is also addressed to PWCI as an agent) to grant me the permission to inspect the file in the DR Offices, removed from the High Court. (ref is at point 5.1 page 10)

21.1 I asked them to kindly advise me a suitable date and time. Or I asked whether I should just 'pitch up' ?

22. I ask you, Chairperson of PWCI, and I ask all the Directors and Partners at PWCI - is it not the time to meet with me to discuss all this Crime and how we can assist the Police together? 22.1 Ferreira says he wants the Truth in the Annual Financial Statements of this Public Company. His co-Directors have said the same. He also said he will "EXPUNGE" all the known LIES that he and his Auditors and Driman/DR and his CEO (PK Harris) intentionally told the Shareholders of this Public Company

22.2 After the 7 days notice given to your Principals/clients (which you will have seen because the letter of notice 15/6/07 is also addressed to PWCI /FRL agents) I will proceed to the Police and I will make a Statement largely based on the content of this letter, and what I have set out herein.

22.2.1 I will far prefer it if your Chairperson will accompany me and assist me and the Police with all this known very serious Crime involving Contraventions of the provisions of the Prevention of Organised Crime Act (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA)

Your sincerely,

M E Harris.

P. S. Please discuss the contents of this letter with FRL Company Secretary Arnott, because I intend to again approach the Minister about breaches of the Companies Act, as well as with all the different, varied, clients because I intend to further join the guilty parties under the 'Conspiracy' to commit Crime and the 'Corruption', Theft, and Fraud and Organised Crime including 'money laundering' and 'round-tripping' and of 'Defeating the Ends of Justice' aspects of the latest Crime which is by now well known to you, as the Auditors, and to the varied clients, as the Criminals.

Thank you.

P. P. S. If there is anything in this letter with which you do not agree (or in the past correspondence over the last more than two years, including the correspondence to your clients) please say what it is, specifically. I intend to use the contents of this letter, to 'table' it at the 2007 AGM of FRL and to approach the High Court and then the Constitutional Court and to use the Truth set out above in Applications to these Courts, as well as, shortly, to the Police. Thank you again. cc To Interested Parties.

'file' named - Deneys Reitz (63) + there are a further several hundred pages in earlier files :

(extract)

3/8/2009.
Michael Harris.
Box 52240 Saxonwold 2132 Jhb.

The Chairman - Mr MJ Hart and The Directors/Partners of Deneys Reitz Inc. and Deneys Reitz Inc. by hand.

Dear Mr Hart, and all the Directors/Partners of DR, A. The resolution of the outstanding disputes between the Harris family (including Willie and Agnes)/The Mazlen Trust and FRL/FRBL/FNB - our Agreement 19/11/2007. The FC-OC 2007 anti-crime and rehabilitation campaign, a Mazlen initiative. B. The Common Law of the Land, and the Prevention of Organised Crime Act, 1998 (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA) - the 'lists' that are involving FirstRand Limited/FirstRand Bank Limited/FNB/ Ansbacher/Discovery, their Clients, their Directors, their Company Secretaries and their Auditors - and The Barry Tannenbaum 'Skulduggery'.

1. Enclosed are the Minutes of the meeting with your Clients' Special Consultant Mr Donald Millwood. Also my covering letter to him.

2. I am not at all happy with the way that your Mr Driman conveyed things to me, as apposed to the way that your Clients are proceeding. It can be seen from the Minutes. Kindly instruct your Mr Driman to in future write and not phone. I am happy to do likewise. Thank you.

3. On the 28/7/09 I proceeded with the preparation of the three Statements to the Police. The one deals with the 106 'list', the one deals with the short 'list', the one deals with the removal of the documents from the High Court file by, I believe, your Mr Robert Driman. If it was not Mr Driman who removed the documents, or if the documents have now been replaced into the High Court file, please advise me accordingly, urgently. Failing which I will proceed as stated. Thank you.

3.1 In the event that Mr Hart or DR know the whereabouts of these documents that I believe were removed from the High Court file please advise me so that I can inspect them and make copies where necessary. Thank you. In the event that you fail or refuse to do so then I will proceed as stated.

3.2 In order to try my very best to prevent and to avoid any further and any unnecessary unpleasantness, possibly even with Criminal and legal consequences, I hereby inform DR, Mr Hart, and Mr Driman that :

To enable me to properly prepare and thereafter to complete, finalise and proceed with the first two mentioned Statements to the Police it is absolutely imperative that I do gain site of, and am able to make copies of, these specifically relevant documents that I believe have been removed from the High Court file, by, I believe, Mr Driman. In the third Statement to the Police I will, if necessary, and if DR do not co-operate with me, requested the Police to accompany me to the Offices DR because I have placed reasons why I need and am entitled to inspect and take copies where necessary, with DR, but I do not get their co-operation. These requests go back to 1997. This means that in the first and the second Statements to the Police I am actually being blocked from properly preparing my Statements to the Police by DR.

To be open and helpful and straightforward, Mr Hart, may I just ask you - when and where can I inspect these documents ? Please advise me urgently to assist not just me, but also the Police. They are busy enough and they need our assistance and our co-operation to enable them to do their job/s, don't you think, Mr Hart ? Yours sincerely,

ME Harris. World Hope is JESUS.


(extract)

13/7/2009. Michael Harris.
Box 52240 Saxonwold 2132 Jhb.

The Chairman - Mr MJ Hart and The Directors/Partners of Deneys Reitz Inc. and Deneys Reitz Inc. fax 011 535 5214.. Dear Mr Hart, and all the Directors/Partners of DR,
A. The resolution of the outstanding disputes between the Harris family (including Willie and Agnes)/The Mazlen Trust and FRL/FRBL/FNB - our Agreement 19/11/2007. The FC-OC 2007 anti-crime and rehabilitation campaign, a Mazlen initiative.
B. The Prevention of Organised Crime Act, 1998 (POCA) - the 'lists' that are involving FirstRand Limited/FirstRand Bank Limited/FNB/Ansbacher/Discovery, their Clients, their Directors, their Company Secretaries and their Auditors - and The Barry Tannenbaum 'Skulduggery'.

1. Thank you to Mr Driman for the very good news this morning and for his very positive attitude and input. I will not at this stage confirm and record all that was discussed, except this : Mr Driman agreed to call me back with the gentleman's name and position. He said that it will take about two days for this gentleman to be fully briefed, then I can expect a call from this gentleman, this week, for a meeting to take place in order to finalise the third part of our Settlement Agreement 19/11/07.

2. Before I do meet with this gentleman I will appreciate receiving the written confirmation from your Office concerning your Clients' decision to approach this gentleman, the briefing he receives, and what we have agreed upon today. This is in terms of the last sentence of point 1 page 2 of my letter 8/7/09.

Thank you.

Yours sincerely,
ME Harris. World Hope is JESUS.


(extract)

10/7/2009.
Michael Harris.
Box 52240 Saxonwold 2132 Jhb.

The Chairman - Mr MJ Hart and The Directors/Partners of Deneys Reitz Inc. and Deneys Reitz Inc. fax 883 4000. by hand.

Dear Mr Hart, and all the Directors/Partners of DR, A. The resolution of the outstanding disputes between the Harris family (including Willie and Agnes)/The Mazlen Trust and FRL/FRBL/FNB - our Agreement 19/11/2007. The FC-OC 2007 anti-crime and rehabilitation campaign, a Mazlen initiative.
B. The Prevention of Organised Crime Act, 1998 (POCA) - the 'lists' that are involving FirstRand Limited/FirstRand Bank Limited/FNB/Ansbacher/Discovery, their Clients, their Directors, their Company Secretaries and their Auditors - and The Barry Tannenbaum 'Skulduggery'.

1. To try my very best to help your people to 'make up their minds' and to stick to the terms and conditions of our Settlement Agreement 19/11/07 (which you people prepared and presented to me to sign) and in the "spirit" of "goodwill" and "trust" which you people promised in our Settlement Agreement 19/11/07 and trying my very best to at the very least match up to "GT"s promise of his " .. Personal commitment to this process of reconciliation" I will set out for DR my input, at this stage. In the event that you people would want me to be party to the 'telephone conference' meeting (ref point 3 below) then I will most certainly make myself available, if it will help you people. It will just need to be explained to me how it works, where I must be, and whether you want my telephone numbers to use. (011 482 1056 and 076 393 0321) Thank you.

2. In the context of my present relationship with you people I do want to state the following :

2.1 It is a well-known 'formula'. It is a well-known modus oporandi. It is a well-known fact - "The devil is in the detail". It is clear to me that you people are saying that you offer to me a "spirit" of "goodwill" and "trust" which you people promised in our Settlement Agreement 19/11/07 and where the then Chairman promised his " .. Personal commitment to this process of reconciliation" but then it is in the "detail" that you people are busy with the devil. In this regard let me say to you people the following - any thinking person, even a simple person like I am, even a real 'half-wit', knows that there where you find the devil, it is especially there that you will find JESUS the Christ. I little further investigation will show that the devil is defeated. He was defeated at the Cross. Then it will be a fool, it will be fools, who 'back the devil', who seriously believe that the devil can ever prevail where JESUS the Christ is present and involved. It is really so simple and obvious and self-evident ... yet for those that He has made 'blind' and 'deaf' they will never see it. They will never 'get it'... until they 'see' JESUS, until they 'get' JESUS. My Prayer then, is that some amongst you people, like the 'remnants' spoken of in the Bible, will prevail, will see the Truth and stop you people with your nonsense. Amen. Stop trying so very hard to be so very 'clever' through the "detail". You people may think I am 'a stupid'. You people may try to 'make me a stupid'. But let me remind you people of this verse in the Bible - " ... The statutes of the Lord are trustworthy, making wise the simple." Ps 19 : 7. It is my Lord that speaks to me. It is my Lord that I will quote when I speak, even to you people, especially to you people.

2.2 In your 'deliberations' today, and before you get Mr Driman to phone me on Monday morning, please remember this - you people 'robbed' me and my family of 43 years of my hard worked life. You people Liquidated Mazlen Holdings (Pty) Ltd based on LIES and Fraud. You people 'robbed' Willie and Agnes of their jobs and their pensions. You people took our home and our assets then put my wife and my daughter and my 83 year old mother-in-law and Willie and Agnes out on the street - after you people first put me in Prison with LIES. Did you know that my wife decided she had to put my own dogs 'to sleep' ? That was all she could think to do. I was in Prison. She, at 60 years of age, had to suddenly find a job and a place to stay. Her mother was 'put' in a home. This old lady was so upset about me and what you people did to me. She actually died soon after you people put me in Prison with your LIES. I was not even able to attend at her funeral, from Prison, after you people had my bail revoked with LIES to the Magistrate. You people destroyed what I had spent a life-time to build. You people LIED about me and my family and The Mazlen Trust in Public Meetings. You people attacked my dignity and my name and my own self-worth with your LIES in Public Meetings. You people Sequestrated my Estate based on LIES and Fraud while I was unable to defend myself from Prison. You people (who include agents) set out to LIE and to STEAL and to CHEAT and to destroy - you people include the likes of agent Mr Theodore Willhelm van der Heever of DTT (what a filthy rotten scoundrel he is - I can fill this page with his LIES and deceit - just go to the correspondence 1998 to 2009), agent Ms Wright from Smit and Loundes (what a 'woman' she was), agents Advocates Mr Brett Massell and Mr Johan Both (what LIARS they both were, even to Judges of the High Court), estate agent Mr Bill Hartard (a real rotten cunning little CROOK if I ever met one), agent Mr Tom Winterboer from PWCInc (your 'puppet' 'independent' Auditor earning R hundreds of Millions for PWCInc, who supplied his 'pack of LIES' to your Director Mr "PK" Harris to hand to his then Chairman Mr "GT" Ferreira, to read out in a Public Meeting), agent Mr Robert Driman of DR (with his further and still worse LIES also spoken by the then Chairman at a Public Meeting) And lets not forget your people's own manager Mr Jimmy Stott, my ex-wife's own cousin. It was he who was the 'front' man who started the process of destruction for his employers - FirstRand Group. It is all on record. It is all a part of the permanent Records of FRL - Public Company.

I have 'regurgitated' this because -

  1. It was all unnecessary, what FirstRand Group did to us. It was all based on deceit, on LIES, on Fraud, on Theft.
  2. It resulted in a lot of 'bad blood'. It wasted a lot of time and energy and money. It was all so very negative. It started in about 1996/1998. That means we have been 'fighting' for 11/13 years ! When will it stop ? Don't you people want it to stop ? I do.
  3. It caused us to suffer Damages estimated at R 50 million - which included 'punitive damages' of about R 25 million. From memory - it was ME and MW Harris R 5 million; TMT R 17 million, other R 3 million, 'punitive damages' R 25 million. Total R 50 million

2.3 Based on points 2.1 and 2.2 above, as read with point 3 below, there is a reason that I have 'regurgitated' all this stuff above. It is this : To try my very best to help you people to 'make up your minds' and to stick to the terms and conditions of our Settlement Agreement 19/11/07; and trying my very best to at the very least match up to "GT"s promise of his " .. Personal commitment to this process of reconciliation" I suggest the following. It is my suggestion.

2.3.1 Taking the figure of R 17 million, then I suggest 'contributions'/penalties as follows :

FirstRandGroup R 8.5 million
Mr Jimmy Stott/Mr "PK" Harris/Mr "GT" Ferreira R 2 million.
Mr "PM" Goss/Mr "LL" Dippenaar/"the doc" van zyl Slabbert R 0.5 million
Mr Bill Hartard/"Theo"/RK Store/DTT R 3 million.
PWCInc/Mr Tom Winterboer R 2 million.
DR/Mr Robert Driman R 0.5 million
Other agents R 0.5 million

Total R 17 million. The 'net effect' of this suggestion is that from a Damages Claim of R 50 million we would receive just R 20.2 million - R 3.2 million paid to date plus R 17 million still to be paid towards the FC-OC 2007 anti crime and rehabilitation campaign, which is a Mazlen initiative. I hope that this suggestion, of who should contribute what, will help to finalise this matter once and for good. Obviously this is just my own suggestion. If First National Bank want to pay everything, on the basis that all these people, these managers and these agents, only did what the then CEO Mr "PK" Harris encouraged them to do, and what the Directors and the Shareholders accepted and allowed them to do, then my 'formula' can fall away. I always understood " ... the relevant people .. " (ref paragraph 11 of our Settlement Agreement 19/11/07) must surely be inclusive of the Directors, at the very least.

3. The telephone call from Mr Driman yesterday afternoon and our present position :

3.1 As I understand things there will be a 'telephone conference' meeting today in which Mr Driman will also participate. Mr Driman will be coming to Johannesburg (on other business) then he will phone me from either Jhb or CT at 9 : 30 a. m. on Monday 13th inst. When Mr Driman phones me at 9 : 30 a. m. on Monday then he will tell me something. I could not quite understand Mr Driman ... I am not sure ? .. whether Mr Driman will tell me how much money will be paid over to us as sponsorship/funding towards the FC-OC 2007 anti crime and rehabilitation campaign, which is a Mazlen initiative, and precisely when this money will be paid over to us ? I am not sure whether Mr Driman will tell me ... what the requirements are that we must comply with .. And whether we must first comply with any further requirements . or whether your people want to do as they did before, when they paid over part of the money owing, to The Mazlen Trust, on behalf of various previously named parties. To further assist you people I would refer you people to the substantial correspondence and more particularly to our 'draft' Proposals and to our Final Formal Proposal. There you people will see that I have suggested that the money coming from you people should be handled by one of the big four "firms" of Auditors (as a "special project"), and I have 'selected' E&Y or KPMG (not DTT or PWCInc - for the very most obvious of reasons) I then did approach these two "firms" of Auditors. To assist you people to come to a decision I am enclosing my letters to them 24/1/09 and 16/7/09. Once you people are ready and willing (they sure are liable and able) to pay over the money promised for the FC-OC 2007 anti crime and rehabilitation campaign, which is a Mazlen initiative, then I am convinced that one of these two "firms" of Auditors will oblige - especially if your people approach them asking them to take possession of the money. Because it is money that is involved, and because it is your people that are involved, then I am quite sure that if it is not to be E&Y or KPMG, then another "firm" of Auditors will 'jump at the opportunity' to receive and to hold this money and to do this job. It is self-evident. It is also self-evident that until your people 'make up their minds' and stick to the terms and the conditions of our Settlement Agreement 19/11/07 (the third part as read with the 1st part and the 2nd part) and pay over the money, I do not 'sit with' a line of Auditors in tow. I hope this will satisfy your people, as regards Auditors, and where the money must be paid in. Let me point out that at no stage over the last 20 months has any one person from FirstRand Group taken my 'up-front' 'honest to GOD' suggestions and ideas and said to me "Yes Harris, this, or that, is a good idea. This is a good Project. This is how you should structure it." Instead it has been left to me. I wrote in and I asked "Please help me to structure the accounting part because I am not sufficiently proficient in this area of business". Instead Mr Bruce Uncer 'dilly-dallied' and 'spoke out of the side of his mouth' to/at me. Sitting over him, watching his every move were 'a whole string' of professional CA's, some of whom are even Directors in FirstRand Group. Gosh, Mr Hart, you know it, their names are even on our Settlement Agreement 19/11/07 that DR must have prepared for your Clients, to be presented to me to sign.

3.2 Mr Driman has been speaking to me in a really decent way in the last three telephone conversations that we have had - for which I really thank him, and I thank DR. Mr Driman saying to me "Mr Harris if I had the money I myself would be sponsoring your campaign" was really appreciated. It showed to me how positively Mr Driman views what we have done to date, over the past 20 months. It showed to me that he has a really good grasp of our Proposal and our up-dates. I did say to Mr Driman "We would accept whatever we got from you Mr Driman. Don't forget the lady in the Bible who paid in just 2 pennies and how much JESUS appreciated this." (ref is in the Bible at Mark 13 : 41 - 44 and at Luke 21 : 1 - 4) Now I have suggested just R 0.5 million coming from DR/Mr Robert Driman at point 2.3.1 above. That is nowhere near the 2 pennies from the lady in the Bible - she was prepared to give all that she had.

3.3 Mr Driman again used the word "indulgence" when he apologised for not being able to keep his promise to phone me by 9 : 30 a. m. this morning with a final decision from your people. He explained the thing about the 'telephone conference' meeting today in which he will also participate, and he asked me for my "indulgence". I felt it was only the decent thing to do - to agree to this request for an "indulgence". But I did not really understand why, when the 'telephone conference' meeting was over today, Mr Driman could not just phone me today with the news of the outcome. I also recall the other person from FirstRand Group that asked for an "indulgence". It was the person who was supposed to be able to finalise things with me. It was the person who actually signed our Settlement Agreement 19/11/07. It was Mr Bruce Uncer. It was on the 13th February 2009. It was 5 months ago and here is yet another request for another "indulgence". I am an ant but I must again "indulge" an ELEPHANT. It is getting harder and harder to do, Mr Hart. I feel like I must call for help. It was in my call for help in the past that I was able to get FirstRand Group to stop all their nonsense. Praise the GOOD Lord.

3.4 What I also do not understand, as I sit here, is why it is seeming to be so very difficult for your people to take a decision when for 20 months they have encouraged us to proceed, and where we have at all times made it quite clear - we are proceeding in terms of our Settlement Agreement 19/11/07. What were they thinking when they received all the correspondence and all the up-dates ? What were they doing when they asked us to wait - for 20 months.

3.5 What I also do not understand, as I sit here, is why is it that when all I have asked for is sight of these relevant documents and copies where necessary, now I am being subjected to what feels to me like more hard negotiations and scrutiny by FirstRand Group's lawyers. It seems to me that FirstRand Group have never had any intension of honouring the 3rd part of our Settlement Agreement 19/11/07. If I am wrong - then why this 'telephone conference' meeting ? Why can't FirstRand Group 'make up your minds' and stick to the terms and conditions of our Settlement Agreement 19/11/07 (which you people prepared and presented to me to sign) ? Where is the "spirit" of "goodwill" and "trust" which you people promised in our Settlement Agreement 19/11/07 and where "GT" promised his " .. Personal commitment to this process of reconciliation" ? He was the Chairman. Now he has 'passed the baton' to Mr "LL" Dippenaar. What on earth is going on, I ask myself, and I ask you, Mr Hart ? Has "LL" perhaps dropped his 'baton' Mr Hart ? Can we not perhaps help him to pick it up and do his job, as "GT" did his when he was the Chairman, Mr Hart ? Can we explain to "LL" that "GT" has committed FirstRand Group and that all "LL" needs to do is to implement that commitment, Mr Hart ? And so I wait again. This time I wait for 9 : 30 a. m. on Monday 13th inst.

Yours sincerely,

ME Harris. World Hope is JESUS.


(extract)

8/7/2009.
Michael Harris.
Box 52240 Saxonwold 2132 Jhb.

The Chairman - Mr MJ Hart and The Directors/Partners of Deneys Reitz Inc. and Deneys Reitz Inc. fax 883 4000.

Dear Mr Hart, and all the Directors/Partners of DR,

A. The resolution of the outstanding disputes between the Harris family (including Willie and Agnes)/The Mazlen Trust and FRL/FRBL/FNB - our Agreement 19/11/2007. The FC-OC 2007 anti-crime and rehabilitation campaign, a Mazlen initiative. B. The Prevention of Organised Crime Act, 1998 (POCA) - the 'lists' that are involving FirstRand Limited/FirstRand Bank Limited/FNB/Ansbacher/Discovery, their Clients, their Directors, their Company Secretaries and their Auditors - and The Barry Tannenbaum 'Skulduggery'. I can 'feel it in my bones' that I should place on Record what has transpired between your office and I. So here goes. 1. I delivered my letter 1/7/09 together with my Application/Motivation 1/7/09 to your Offices on the 1/7/09. On the 3/7/09 I phoned to ask Mr Hart what your answer was to my Application/ Motivation. I was then informed that I must speak to Mr Driman who is now in your Cape Town Offices. On the 3/7/09 I did phone your Cape Town Offices. I left 3 urgent messages for Mr Driman to contact me because Mr Hart had said I must speak to him. Mr Driman did phone me back in the afternoon of the 3/7/09. I was then able to explain to Mr Driman that I had previously been referred to DR by the Pretoria High Court to inspect documents that were discovered which subsequently had been removed from the High Court file. I said to Mr Driman that although we had 'supposedly Settled' (Mr Driman interjected that he was pleased when the matter had been settled) I am very unhappy because I have been waiting for 20 months and FRGroup were not implementing the terms of the Agreement. I asked Mr Driman if I would need to come to Cape Town to inspect the documents, but he said he could not say yet. Mr Driman said to me that he wanted to 'go into' things and that he would phone me on Monday 6/7/09 at 10 : 30 a. m. for which I thanked him. Mr Driman did phone me back as promised. He said that had read through my letter and that because I felt disadvantaged he would talk to me not as a lawyer. He said that "behind the letter is a simple request". He then referred to the 3 parts of the Settlement Agreement 19/11/07 as 1. "This has been implemented - the money has been paid". 2. "This is 'problematic'". 3. "You are 'completely dissatisfied'". Mr Drijman explained that in dealing with a "Massive Organisation" things are "beaurocratic". He said he is the agent and that he will speak to his clients and will prepare a proper response and come back to me before 9 : 30 a. m. on Friday 10th inst. I asked for a written response, to which Mr Driman agreed.

1.1 In our second telephone conversation when Mr Driman said that he will come back to me he used the words " ... they are, or not ... ". He was talking about FRGroup funding/sponsoring or not funding/sponsoring. I then said to Mr Driman that I have my notes from before I shook hands with Mr "GT" Ferreira, and I have my notes from when I was negotiating with Mr Bruce Uncer around the figure of R 2 million/R 2.5 million/R 3 million before we agreed on terms. From both sets of notes it is clear that I only agreed to accept R 3 million because of the understanding conveyed to me that FRGroup would fund/sponsor. I explained to Mr Driman how I had said to Mr Bruce Uncer that in the event that they would only pay R 2,5 million, then the other R 500,000-00 would come on top of the funding/sponsorship. I have my notes and I know what was told to me by "GT" and I know what I said to Mr Bruce Uncer and Ms Sam Moss. I understood and I was led to believed that after I negotiated with Mr Bruce Uncer and Ms Sam Moss then when the words "spirit" of "goodwill" and "trust" were inserted into the Agreement that they (you) prepared and got me to sign, and when "GT" also promised his " .. Personal commitment to this process of reconciliation", and he was then the Chairman of FirstRand Bank Limited/FirstRand Limited - I was led to believed and to understood that the funding/sponsoring would materialise.

I said to Mr Driman that it is not about the money because these people are R billionaires. I said to Mr Driman that I can not understand why FRGroup can not see that it is good to be associated this venture. I said to Mr Driman that since I shook hands with "GT" I have remained positive and stayed away from AGM's. I said to Mr Driman that if it is "not" then he must just give me the papers and I will continue. I said to Mr Driman that it is a 'perception' that I have that they have agreed to fund/sponsor and that I am committed, so that if it means that FRGroup want to put me in Prison again, then they must do it, but I will continue.

I do also want to say this - for 20 months I have been encouraged by FRGroup to continue. They never once told me to stop. I have submitted 4 or 5 'drafts', the Final Formal Proposal, and 4 or 5 'report-backs'. We have committed over R 3,29 million to the venture. I have submitted Invoices, just for some small amounts, and been told to wait. Both "GT" and Mr Bruce Uncer have on separate occasions given me to believe and to understand that it is not the funding/sponsorship that is in question, but that it may be the quantum of the funding/sponsorship that may need to be looked at. I have confirmed this in writing on a number of occasions. It has never been disputed by either "GT" or by Mr Bruce Uncer or by FRGroup.

I also want to say this - I sent a DVD to 9 Directors suggesting that if there is to be a shortfall from FRGroup that they should look at the DVD with their families and decide to make up any shortfall because I have been asked to stop all action/s against them and I have agreed - but I agreed 'subject to', of course, and because of the promises made to me.

1.2 In our second telephone conversation when Mr Driman said that I must realise that I am dealing with a "Foundation" and that there are "Rules" and "barriers", then I said to Mr Driman that I understood this and accepted it. But I also said to Mr Driman that for 20 months I have asked to meet with "GT" to discuss all and any requirements, but he has denied me such a meeting, and I have therefore continued because of the words in our Settlement Agreement 19/11/07 of "spirit" of "goodwill" and "trust" - inserted into the Agreement that they (you Mr Driman/DR Inc) prepared and got me to sign, and when "GT" also promised his " .. Personal commitment to this process of reconciliation", and he was then the Chairman of FirstRand Bank Limited/FirstRand Limited - I was led to believed and to understood that the funding/sponsoring would materialise. I gave Mr Driman the names of the Members and the directors of the Section 21 Company. I also told him that I have invited first "GT" then "LL" then "PK" then Mr Bruce Uncer to be a Member. They declined, but I have it on record that Mr Bruce Uncer has said "not at this stage". This too led me to believe and to understand that we should continue with the venture and that at a later stage at least one Director would become a Member, or perhaps it would be Mr Bruce Uncer. So we continued. I can say that today the company registering the Section 21 Company phoned me to update me that they are busy to finalise the Registration of First Community Outreach Centre as a Section 21 Company.

1.3 In our second telephone conversation Mr Driman said the words to me "But I must caution you about the 3rd part . don't read .". I think that he was saying to me that the 3rd part of our Settlement Agreement 19/11/07 is not to be understood by me as binding on FRGroup. But he did at the same time say to me "But let's not be negative, or jump to conclusions, let's see what I can come back with" (or words like this, meaning this) I can only say that I believe and understand that the 3rd part of our Settlement Agreement 19/11/07 is meaning that we can expect to receive funding/sponsorship. If I look at what "GT" and I discussed, and my notes made around the negotiations which I had with "GT" and if I do the same with my notes around the negotiations with Mr Bruce Uncer and Ms Sam Moss, and if I look at the correspondence prior to 7/11/07 and post 7/11/07 then my own 'perception' is that I was induced into signing our Settlement Agreement 19/11/07 and I have proceeded for the last 20 months based on my being led to believe and to understanding, both before I signed our Settlement Agreement 19/11/07, and right up to date, that funding/sponsorship will be forthcoming. I said to Mr Driman that if he now tells me, after 20 months of proceeding with the venture, that I must "get lost and go to h. ", and if he refused to allow me access to the documents, then I will immediately again approach the Registrar of the High Court Pretoria, Professor Barry Spitz and the Police. Mr Driman then said to me that he is not telling me this and that I must just give him until Friday.

Hoping to make sure that Mr Driman and your Clients give me a positive answer on, or before Friday at 9 : 30 a. m. as promised, I want to repeat this - I will prepare 500, or more, DVD's and I will approach 500, or more, Interested Parties with these DVD's, and I will approach 5,000, or more, Organisations, and I will prepare my Web-site in such a way as to expose what I will perceive as a total reneging by FRGroup of what I was led to believe and understand before I signed our Settlement Agreement 19/11/07, and right up to date - that funding/ sponsorship will be forthcoming. I will then also make it a commitment to follow the Barry Spitz case and I will once again proceed to the Police based on the removal of documents by DR and based on the contents of the documents discovered. I will also make it my business to approach noseweek and the other News Media and Magazines with a comprehensive appeal for their help. I will again start to attend at FRL and Discovery AGM's. I am really and truly sick and tired of the consistent promises, but then being told to wait and wait and wait and wait for the funding/sponsorship.

It really is enough now, Mr Hart/DR. Please make it clear to your Clients. I am not going to wait any longer. Thank you.

Yours sincerely,

ME Harris.
World Hope is JESUS.


(extract)

1/7/2009.
Michael Harris. Box 52240 Saxonwold 2132 Jhb.

The Chairman - Mr MJ Hart and The Directors/Partners of Deneys Reitz Inc. and Deneys Reitz Inc.
fax 883 4000.

Dear Mr Hart, and all the Directors/Partners of DR,

A.The resolution of the outstanding disputes between the Harris family (including Willie and Agnes)/The Mazlen Trust and FRL/FRBL/FNB - our Agreement 19/11/2007. The FC-OC 2007 anti-crime and rehabilitation campaign, a Mazlen initiative.

B. The Prevention of Organised Crime Act, 1998 (POCA) - the 'lists' that are involving FirstRand Limited/FirstRand Bank Limited/FNB/Ansbacher/Discovery, their Clients, their Directors, their Company Secretaries and their Auditors - and The Barry Tannenbaum 'Skulduggery'.

1. I see that it is almost 2 years ago that I last wrote to you people. Mr Hart, DR will, I am sure, know about the above - especially your Partner, Mr Robert Driman has the full "details". Now, unfortunately, here I find myself writing to DR again. I am attaching my 'application'/ motivation to DR. My 'application'/motivation is to allow me to inspect documents in your possession which were removed from the file in the High Court Pretoria, in the matter where Professor Barry Spitz is suing your client/s FRL or FRBL or FNB. I will also need to take copies of documents, in particular where the "issues" referred to under the heading B above are involved. Thank you.

2. It is unfortunate that "GT" Ferreira and his co-Directors and FirstRand Group have taken the decision to not honour the terms and the conditions of our Settlement Agreement 19/11/07. It is now 20 months since I was promised a "spirit" of "goodwill" and "trust" in an Agreement that they (you) prepared and got me to sign. "GT" also promised his " .. Personal commitment to this process of reconciliation". He was then the Chairman of FirstRand Bank Limited/FirstRand Limited. It is unfortunate that I have had to give these people Notices on several occasions. These Notices were all simply ignored. In particular I ask DR to obtain from your clients the following :

All correspondence post 7/11/07 including the more recent letters 17/6/09, 11/6/09, 1/6/09 x 2, 1/5/09, /09, 24/3/09, 17/3/2009, 26/2/09, 18/2/2009, 13/2/2009, 9/2/09, 2/2/09, 22/1/2009, 5/1/2008 (s/b 2009), 18/12/08. Our letter, with enclosures, to "GT" 24/12/08. Their letter 25/3/09 and their fax 13/2/09. Letters addressed personally to "LL" (Dippenaar), 4/6/09, 1/5/09, 21/7/08, 9/7/08, 30/6/08.

I can not be sure, but I believe that Mr Robert Driman will already have all of this correspondence, and that he will have studied it. After all, it was he who was representing the Directors and FirstRand Group and the various agents (DTT, PWCInc, DR, Hartard and others) who were involved in all the Crime - i. e. the about 19 Police Cases. Our Settlement Agreement 19/11/07 must have been prepared and approved by Mr Robert Driman and the Directors. That is what I believe must have happened.

Let me be quite clear on the so-called 'confidentiality' sentence which these people inserted. I was prepared to honour all the terms and conditions of our Settlement Agreement 19/11/07. These people were not. Therefore I do not feel bound by this 'confidentiality' sentence. I can but only refer DR to all the terribly hard negotiations to which I have been subjected post 7/11/07 and to the full contents of the correspondence post 7/11/07 (especially the Notices) to back me up. Therefore let me quite open and frank :

2.1 Our Settlement Agreement 19/11/07.

Unfortunately I am having to again approach Interested Parties, including DR and the Registrar of the High Court Pretoria, and Professor Barry Spitz, and the News Media (including noseweek) and others. I have actually warned these people (the Directors and FirstRand Group) that I will make up 500, or more, DVD's like the one I sent to the Directors but changed to include references to BIG CRIME and BIG CRIMINALS, and that I will approach Interested Parties with these 500, or more, DVD's. I have told them that I will approach 5,000, or more, Organisations and I will set up my Web-site. When I do these things, then it is unlikely that I will be able to not 'let the cat out of the bag' in regard to the terms of our Settlement Agreement 19/11/07. Then too, if I am asking for help how can I do it without explaining what the help is that I am asking for ? That will be impossible. An example is this :

The first part of the Settlement Agreement 19/11/07 where R 3 million was agreed upon - here these people have complied. They paid over the R 3 million. Being the lawyers who acted for these people Mr Robert Driman and DR know that we claimed R 50 million and that we agreed to accept just R 3 million because of the second the third parts of our Settlement Agreement 19/11/07.

The second part of the Settlement Agreement 19/11/07 where R 200,000-00 was agreed upon to enable us acquire 1146 Marlboro, to evict the so-called "squatters", and to fix up the damage to the property. Here these people have paid over the R 200,000-00 towards the anti crime and rehabilitation campaign, which is a Mazlen initiative. However I can only refer DR to the correspondence post 7/11/07 to see the terribly hard negotiations to which we have been subjected post 7/11/07. We are still struggling to get transfer. Only then can we evict. Only then can we do the repairs. Only then can we use this property in our anti crime and rehabilitation campaign, which is a Mazlen initiative. It is 20 months that we have struggled with these people and with one of their prime agents - this "dummy" "front" lawyer vdHeever acting in secret for the FRBL Director/DTT Chairman RK Store and his Auditor Partners. Yet in our Settlement Agreement 19/11/07 these people promised us their "assistance" in regard to 1146 Marlboro which they knew when they drew up our Settlement Agreement 19/11/07 is for use in our the anti crime and rehabilitation campaign, which is a Mazlen initiative.

The third part of the Settlement Agreement 19/11/07 where we have been promised funding/sponsorship for our the anti crime and rehabilitation campaign, which is a Mazlen initiative. 20 months of waiting. 20 months of promises. It is unacceptable. We have told these people - look here, we do not want to have to threaten you people. We do not want to go to the Police again. Please comply with our Settlement Agreement 19/11/07 and your promises. If these people would only comply with the terms and conditions of our Settlement Agreement 19/11/07 we would not even be bothering DR like this.

3. A similar letter will be addressed to the Registrar of the High Court, Professor Barry Spitz, other Interested Parties whom I believe will be able to help me. Copies of our Settlement Agreement 19/11/07 and the other correspondence will, of necessity, also be supplied.

4. A copy of our Settlement Agreement 19/11/07 and all correspondence, including this letter, will be tabled at the next FRL AGM to then become a permanent part of the Record of this Public Company and this Public bank.

Yours sincerely,

ME Harris.
World Hope is JESUS.


(extract)

1/7/2009. 'Application'/Motivation.

To : Mr MJ Hart - Chairman/Deneys Reitz Incorporated.

From : Michael Harris.

I hereby make application to inspect the file, or alternately documents in your possession which were removed from the file of the High Court Pretoria, in the matter where Professor Barry Spitz is suing your client/s FRL and/or FRBL and/or FNB and/or RMB. I will also need to take copies of documents, in particular because the "issues" referred to under the heading B in my covering letter 1/7/09 are involved. Thank you. Here are my reasons why I am entitled to both view and make the copies as requested :

1. The information that I seek is in the Public domain. The documents that have been removed from the Court file are open to inspection by me as a Member of the Public at the High Court. In fact I believe that these documents should not have been removed and I will address this matter with the Police when I do, in the due course of time, open further Police Cases, as the need arises. I will also approach the Registrar of the High Court Pretoria accordingly.

2. I am a concerned Citizen of the Republic of South Africa - concerned that the information requested herein is involving Crime. I am concerned that this Public information has been removed because it concerns Crime and has been removed wrongfully by an agent (DR Inc.) of the Directors and FirstRand Group to try to hide information to which I am entitled, and so as to prevent Criminal Prosecutions taking place. You are aware that I have opened about 19 Police Cases against your clients, their Directors and 'sort of' Directors, their managers and their agents (Auditors and lawyers and estate agents) It is my intention to again approach the Police and to open new and fresh Police Cases against various parties, including, but not limited to : I Companies in the FirstRand Group. Ii Directors, 'sort of' Directors, managers (including Company Secretaries), agents (including Auditors and lawyers and estate agents) of these Companies in the FirstRand Group. Iii Any other party that appears to me, as I proceed to inspect the information applied for herein, to be involved in Crime.

3. Shareholder : I am a shareholder in the Public Company known as FirstRand Limited, which Company owns the Public Company known as FirstRand Bank Limited, which Company 'trades' as First National Bank. The Company known as Rand Merchant Bank is also involved in the accumulation of profits in FirstRand Limited. I am therefore entitled to inspect Public information in any Court file that is dealing with the affairs of this Public Company of which I am a shareholder.

4. Profits : Profits made by various Companies accumulate and are shown in the Financial Statements of the Public Company known as FirstRand Limited. These Financial Statements and these profits have been audited by agents of FirstRand Group (Auditor Deloitte and Touche Tomahtsu and PricewaterhouseCoopers Inc.) At AGM's of FRL Financial Statements have been adopted and approved by the Directors of FirstRand Limited. It is my belief and contention that these profits include money made which is defined in The Prevention of Organised Crime Act, 1998 (POCA) as coming from the proceeds of Crime. e. g. Money Laundering, Tax Evasion, Organised Crime 'fat fees' charged by this bank which are referred to as "Proceeds from unlawful activities" and "Derived from the profits of Organised Crime.

5. Dividends : I have been paid dividends from the profits made by FirstRand Limited. It is my belief and contention that these dividends include money made which is defined in The Prevention of Organised Crime Act, 1998 (POCA) as coming from the proceeds of Crime. e. g. Money Laundering, Tax Evasion, Organised Crime 'fat fees' charged by this bank which are referred to as "Proceeds from unlawful activities" and "Derived from the profits of Organised Crime. In the past I have not cashed these dividends and I have also returned dividends to the transfer secretaries Computer Share Limited. Ref is to letters I addressed to CSL *** copies attached.

6. Previous requests to inspect : I have made previous applications to your Office which applications have been ignored. Attached are copies of my letters 16/7/08 and 20/6/08 which are extremely relevant in supporting this current 'application'/motivation to allow me to inspect these documents, and to make copies where I need to. I here request that the full contents of these two letters be taken into consideration in this present 'application'/motivation. Thank you.

ME Harris.


(extract)

16/7/2007.

Michael Harris.
Box 52240 Saxonwold 2132 Jhb.

The Chairman - Mr MJ Hart and The Directors/Partners of Deneys Reitz Inc. and Deneys Reitz Inc.
fax 883 4000.

Dear Mr Hart, and all the Directors/Partners of DR,

  • Looking for our Arbitrator, or agreeing to come before a Judge.
  • 2006 FRL AGM 23/11/2006 - The False 1st , 2nd , 3rd and 4th 'drafts' and the 5th False 'final' Minutes signed by the Chairman dated 5th June 2007
  • About 19 Police Cases against the Directors of FRL and their agents. Charges of Theft, Fraud, Mis-representation of the Truth, "undue influence", Duress, Coercion, Defamation of Character, Threats of physical violence, (including murder), of 'Conspiracy', of 'Corruption' (including Bribery), of 'Defeating the Ends of Justice'/the Directors, CA's, Co. Secretaries First Rand Limited/FRbHL/FNb, their agents and others.
  • Contraventions of the provisions of the Prevention of Organised Crime Act (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA)
  • LIES told by Directors of this Public Company to Members of the General Public, to their Shareholders and to the News Media present - AGM's 2001, 2002, 2003, 2004, 2005, 2006; False Minutes of Public Meetings 2001, 2002, 2003, 2004, 2005, 2006; breaches of the Companies Act.
  • Unanswered queries, questions, requests for information, Minutes, in terms of the Companies Act.
1. My letter 20/6/07 refers. All previous uncontested correspondence refers, including to your Clients.

2. 2. When can I call to inspect the High Court file referred to in my letter 20/6/07 ?

3. I have been requested by one of the Interested Parties to whom I have turned for help to expose and to put a stop to all this known Crime at this bank/Public Company, and as a shareholder in FRL, to set out in an affidavit, "personal knowledge" myself of these "issues" i. e. this Crime involving Fraud that specifically relates to the Contraventions of the provisions of the Prevention of Organised Crime Act (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA) and that involves these FRL/FRbL/FNb/Ansbacher agents DTT and PWCI.

3.1 Of course, as Mr Hart will know, the dividend cheques paid to me are also showing my "personal knowledge", because these cheques contain part payments originating from Organised Crime. But I am led to understand that in this particular High Court file there is a lot more clarity about this Fraud that specifically relates to the Contraventions of the provisions of the Prevention of Organised Crime Act (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA) and these FRL/FRbL/FNb/Ansbacher agents DTT and PWCI.

4. Then too, in the latest 2 Police Cases which I have only recently opened (3/7/07) I will need to supply further and better "detail", also regarding the actual dates of the Crime/s, so as to be able to more accurately name the Directors, the 'sort of' Directors, and the agents who are involved in this Crime. This Crime that is now also involving Fraud that specifically relates to the Contraventions of the provisions of the Prevention of Organised Crime Act (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA)

5. Please, I ask you, Mr Hart, and I ask all the Partners at DR, as a shareholder in FRL who has been specifically requested to supply information (see above), please do not ignore this reasonable request to inspect this High Court file. Thank you. Or shall I just 'pitch up' ? Kindly advise me.

Thank you.

Yours sincerely,

ME Harris. World Hope is JESUS.


(extract)

20/6/2007.

Michael Harris.
Box 52240 Saxonwold 2132 Jhb.

The Chairman - Mr MJ Hart and The Directors/Partners of Deneys Reitz Inc. and Deneys Reitz Inc.by hand.

Dear Mr Hart, and all the Directors/Partners of DR,

  • Looking for our Arbitrator, or agreeing to come before a Judge.
  • 2006 FRL AGM 23/11/2006 - The False 1st , 2nd , 3rd and 4th 'drafts' and the 5th False 'final' Minutes signed by the Chairman dated 5th June 2007
  • About 17 Police Cases against the Directors of FRL and their agents. Charges of Theft, Fraud, Mis-representation of the Truth, "undue influence", Duress, Coercion, Defamation of Character, Threats of physical violence, (including murder), of 'Conspiracy', of 'Corruption' (including Bribery), of 'Defeating the Ends of Justice'/the Directors, CA's, Co. Secretaries First Rand Limited/FRbHL/FNb, their agents and others.
  • Contraventions of the provisions of the Prevention of Organised Crime Act (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA)
  • LIES told by Directors of this Public Company to Members of the General Public, to their Shareholders and to the News Media present - AGM's 2001, 2002, 2003, 2004, 2005, 2006; False Minutes of Public Meetings 2001, 2002, 2003, 2004, 2005, 2006; breaches of the Companies Act.
  • Unanswered queries, questions, requests for information, Minutes, in terms of the Companies Act.
1. My letters to DR (and others) 6/6/07,1/6/07, 31/5/07, 23/5/07, 2/4/07, 31/1/07, 26/1/07, 23/10/06, 29/5/06, 24/5/06, 20/4/06, 18/4/06, 3/1/06; to DR 30/10/06, 20/4/06, 18/4/06, 7/3/06, 10/1/06, 6/12/05, 12/6/05, 17/2/05, 7/2/05, 24/12/04, 21/12/04, 4/6/04 dealing with the 'general' Crime at FRL/FRbHL/FNb and dealing with the LIES of agents Winterboer/PWCI and Driman/DR and the LIES of CEO PK Harris and Chairman Ferreira and dealing with my affidavit 11/1/06 which is dealing with the Falsified 'draft' of the Minutes of the 2005 FRL AGM prepared by Arnott refer.

1.1 Correspondence to your clients refers :

1.1.1 To your clients - Mr Ed Grondel/FNb and others 17/8/05, Mrs Lucas Bull (ex)/FNb and others 17/8/05 and 21/7/05, Mr Michael Jordaan/FNb and others 7/8/05 and 20/7/05; Ferreira/FRL and others 16/6/07, 1/6/07, 31/5/07, 23/5/07, 2/4/07, 31/1/07, 18/12/06, 11/12/06, 11/112/06 (Ferreira), 7/12/06, 5/12/06, 23/11/06 (del 27/11/06), 23/11/06 (Information and Objections), 23/10/06, 20/6/06, 29/5/06, 20/4/06, 18/4/06, 13/4/06, 6/3/06, 13/1/06, 11/1/06, 3/1/06, 19/12/05, 19/12/05 (transcript), 6/12/05, 3/12/05, 2/12/05, 28/11/05, 23/11/05, 22/11/05 x 2, 31/5/05, 12/5/05, 21/4/05 (from 'FirstRand'/Ferreira), 5/4/05, 10/3/05, Winterboer/PWCI and others 6/6/07,1/6/07, 31/5/07, 23/5/07, 2/4/07, 31/1/07, 26/1/07, 30/10/06, 23/10/06, 29/5/06, 24/5/06, 20/4/06, 18/4/06, 10/1/06, 3/1/06, 6/12/05, 23/6/05, DTT 6/6/07,1/6/07, 31/5/07, 23/5/07, 2/4/07, 31/1/07, 26/1/07, 30/10/06, 23/10/06, 29/5/06, 24/5/06, 20/4/06, 18/4/06, 10/1/06, 3/1/06, 6/12/05, 19/8/05 (from), 17/8/05, 16/8/05 (from), 15/8/05, 12/8/05, 11/8/05, 5/8/05 (from), 1/8/05, 20/7/05 (from), 23/6/05.

Do you also act for Fedile/P Waugh ? If so then I also refer DR to the correspondence.

1.2 Your letters 10/3/05, 16/2/05, 28/1/05, 13/1/05 also refer.

1.2.1 Notably - DR have accepted the contents of correspondence addressed to DR (and as well as to all your various clients) from March 2005, through to date.

1.2.1.1 Is this because Ferreira is not using the services of DR in matters that relate to 'FirstRand' but is dealing directly for the Directors, agents and Shareholders of FRL ? Yet Driman was at the 2006 FRL AGM, where he did speak.

1.2.1.1.1 What about all your other clients ? Are DR still representing Winterboer/PWCI, RK Store and TwvdHeever/DTT, Arnott and Uncer, the Managers/'Directors' at FRbHL and FNb e. g. Scheepers, Grondel, Jordaan, Lucas-Bull (ex) and so on ?

1.3 All previous correspondence to DR and to your clients refers

2. I believe that Mr Robert Driman/DR are still the lawyers for the Directors of, and also for, this bank (FRbHL/FNb) and this Public Company (FRL). At the Enquiry in the presence of the Honourable Magistrate Mrs H Raath I believe Mr Robert Driman/DR were there representing the Directors of FRL/FRbHL/FNb and the Managers, such as Stott and Scheepers. I know, from past written advices which I have received from Mr Robert Driman/DR, that the Company Secretaries of these particular Companies (FRL/FRbHL/FNb) are also represented by Mr Robert Driman/DR. I recall being told that Mr Robert Driman/DR do represent Managers such as Stott (retired), Scheepers, Grobelaar, and all the 'sort of' directors at FNb, such as W Lucas-Bull (retired/left), 'big Ed' Grondel, Michael Jordaan and all the other 'sort of' directors at FNb. I recall being sent to Sandton, to see Mr Robert Driman/DR by the Head Office of FNb Homeloans because, I was told, 'Mr Robert Driman will sort you out'. I went to see Mr Robert Driman/DR to try to obtain full disclosure on the Fraud aspect of the Crime in regard to the bond on my and my wife's home. I went to discuss the Police Case opened against his clients, and others. (All I got then were denials and threats). That is when I first came into contact with Mr Robert Driman. I think Mr Robert Driman/DR represent some of the agents used by this bank/Public Company, but not all of these agents, but I stand to be corrected. Because it was during the time of the 'chosen tactic' to deny everything and to just threaten me, then my earnest enquiries to Robert Driman/DR to please tell me who exactly he (Driman) was representing e. g. Auditors DTT, PWCI; Theodore Willhelm vd Heever/the 'dummy' 'front' Liquidation Company of DTT/FRbHL Director RK Store and his DTT Partners; lawyers CB McEwan, Smit and Loundes; Advocates Masselle, Both, McEwan, and so on, was just, simply - denied with threats.

3. I record that 'not a peep' has been coming out of the Office of Mr Robert Driman/DR for so long now that it seems to me they have given up trying to deny everything and threaten me/threaten me and deny everything (which was their 'chosen tactic' for several years in the past) In the past they just chose to deny everything and to threaten me and they therefore chose not to (refused to) grasp the opportunity to respond to the Truth about all the Crime and all the LIES. They chose to stick to the LIES about me and about my family and about The Mazlen Trust which they prepared for their client, Ferreira, and for his co-Directors - with the purpose to deceive the Shareholders, the General Public, the News Media present, and to, with criminal intent Defame me and my family and The Mazlen Trust. That was at the 2003 AGM of FRL when Mr Robert Driman, representing DR, handed his 'infamous' pack of LIES/DR 'Statement - ME Harris' to the Chairman of this bank/Public Company so that he (Chairman Ferreira) could read it, to then become a permanent part of the Record of this Public Company, trying in their (Driman/DR/Ferreira) desperation to hide and to cover-over the Crime exceeding R100,000-00 in more than one instance which was known to the Directors of this bank/Public Company, and others.

It is something I will never accept.

4. What was so wrong (actually despicable and deserving of the strongest exposure I can muster, even in the High Court and then in the Constitutional Court) is the fact that Mr Robert Driman/DR had the full contents of affidavits and "detailed" correspondence totally denying and totally refuting the earlier LIES of Winterboer/PWCI (at the 2001 AGM of FRL) Mr Robert Driman/DR had many written appeals to various of his clients, as well as appeals to DR, to please stop with the LIES and to please replace the LIES with the Truth in the permanent Records of this Public Company. Instead, in an act of vicious criminality, and with utmost malice, and knowing the Truth beforehand, Mr Robert Driman/DR made a conscious choice. They chose to continue with the LIES of Winterboer/PWCI. They chose to perpetuate the LIES, to try in their desperation, for their various clients, to hide and to cover-over the Crime, which was known to Mr Robert Driman/DR and which was known to their clients, including the Directors of this bank/Public Company and these Auditors (DTT, PWCI). They, Mr Robert Driman/DR and their clients, and including Auditors DTT and PWCI, made the conscious decision, and the choice, to tell LIES to the Shareholders and to the General Public and to the News Media present to deceive and to Defame, with no regard for the consequences - to hell with the consequences.

5. Now the latest 'chosen tactic' of Mr Robert Driman/DR, for the time being, it seems to me, is to accept that which I have recorded to them, and to their various clients that they do represent/act for, and to leave it to Ferreira, (representing all the Directors of this bank and Public Company and all the agents involved, as well as the Shareholders) to deal with the remaining outstanding "issues".

6. It is the AGM's of FRL that Mr Robert Driman/DR and their clients have chosen as the 'forum' to discuss and to deal with the Crime and the LIES.

6.1 I have accepted that it is the best 'forum' I can achieve, because Mr Robert Driman/ DR and their clients (?) DTT and PWCI also (when they denied everything and just threatened me - for 4 years) wrote that they reserved their rights to respond in the right 'forum'. Then PWCI chose the 2001 AGM of FRL as the 'forum' to come with their LIES and their TASH. Mr Robert Driman/DR chose the 2003 AGM as their 'forum' to attack me with their LIES and their TRASH. I tabled the LIES of RK Store and his Partners/Directors at DTT - that they are not the secret shareholders of this 'dummy' 'front' Liquidation Company, 'run' by this 'dummy' 'front' lawyer, Theodore Wilhellm vd Heever, so that this bank/Public Company can make money from Liquidating and from Sequestrating Clients of this bank FRbHL/FNb - in secret.

7. I sent a copy of a similar appeal as this, to other Interested Parties, trying to achieve that which the FRL Chairman (Ferreira) has stated to me, in private and in Public Meetings of this Public Company, is his own desire, namely :

  • To "EXPUNGE" the LIES (his word), "Replace the LIES with the Truth" (my words) in the permanent Records of this Public Company.
  • To bring all the Crime and all the LIES before an Arbitrator to see "who is Right and who is wrong" - not just the totally wrongly stated Police Cases.
  • To Prosecute Criminals who have committed Crime, based on the known endorsement by all the Directors and fully supported by the agents (Auditors and lawyers of FRL) contained in the Annual Reports of FRL for the years 2001, 2002, 2003, 2004, 2005, 2006 and I am sure in previous years as well, and in the Code of Banking Practice, to which the Directors of this bank/Public Company say they subscribe.
FRL's Chairman's own stated desire is also my own stated commitment - so surely we can, working together for good, achieve our common goal.

8. I have asked Mr Driman/DR to, at last, 'come clean'. I asked Mr Driman to, at last, 'step forward' 'like a man'. I asked Mr Driman/DR to assist me to "EXPUNGE" the LIES/"Replace the LIES with the Truth" in the permanent Records of this Public Company. I asked Mr Driman/DR to, at last, assist the Police and the Prosecuting Authorities to Prosecute the Criminals for the Crime.

8.1 In all of the above I asked for the assistance of the Chairman of DR and the Partners/Directors of DR.

The latest Contraventions of the provisions of the Prevention of Organised Crime Act (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA)

9. I intend to lay charges of Theft, and of Fraud and of Organised Crime including 'money laundering' and 'round-tripping' and of 'Conspiracy' and of 'Corruption' and of 'Defeating the Ends of Justice' against the following parties :-

9.1 The Directors of First Rand Limited, namely :-

GT Ferreira (Chairman), PK Harris (CEO), VW Bartlett, D J A Craig LL Dippenaar, DM Falk, PM Goss, NN Gwagwa, , M W King, YI Mahomed, G Moloi, AP Nkuna, SE Nxasana, SEN Sebotsa KC Shubane, BJ van der Ross, Dr. F van Zyl Slabbert, R A Williams.

9.2 The Directors of FirstRand Holdings bank Limited. Names will be supplied when the details of the Organised Crime and the relevant dates become available, but will include GT Ferreira (Chairman), PK Harris (CEO), VW Bartlett, LL Dippenaar, RK Store and other Directors.

9.3 The 'sort of' Directors of First National bank/Ansbacher. Names will be supplied when the details of the Organised Crime and the relevant dates become available.

9.4 The Directors of Discovery Group. Names will be supplied when the details of the Organised Crime and the relevant dates become available, but will include LL Dippenaar, A Gore, B Swartzberg and other Directors.

9.5 The Company Secretaries Mr BW Uncer and Mr AH Arnott have legal responsibilities in terms of the Companies Act.

10. I intend to lay further charges of 'Conspiracy' and of 'Corruption' and of 'Defeating the Ends of Justice' against the following Interested Parties:

10.1 TW vd Heever, CR Qually, RK Store, D Peacock and the Directors and the Partners of, and, Deloitte Touche Tohmatsu ('Deloitte') and D&T trust (Pty) Ltd.

10.2 T Winterboer, C Beggs, JS Fourie, JTC Wilkinson and the Directors and the Partners of, and, PriceWaterhouseCoppers Inc.

10.3 R Driman, MJ Hart and the Directors, and the Partners of, and, Deneys Reitz.

10.4 SD Msomi, JH Dijkman and the Directors and Partners of, and, the South African Institute of Chartered Accountant.

10.5 J O'Connor and the Directors of, and, the Public Accountants' and Auditors Board/the IRBA.

10.6 Advocate J Marais, SE Nxasana and the Directors of, and, the Banking Association South Africa.

10.7 Advocates N Melville, JF Myburgh SC and the Directors of, and, the Ombudsman for Banking Services.

10.8 Advocates A Botha, HS Epstein SC, DI Berger SC, A Bester, CG Lamont SC, JLJC van Vuuren SC, van Eeden, G Wesson, G Clarke and the Bar Council/ Society of Advocates.

10.9 P Waugh and the Directors of, and, Fedile Trust (Pty) Ltd.

11. I will be laying these Charges of 'Conspiracy' and of 'Corruption' and of 'Defeating the Ends of Justice' against the Interested Parties named in 10.1 to 10.9 above for the reason that these named parties are supposed to have a Duty to assist me and the Police; to 'step forward' and assist us. Instead they are aiding the abetting these Criminals to continue with their Fraud and other related Crime (and even Defamation of my Character when I have tried to expose this known Crime) by simply 'turning their blind eyes' to the Crime. They have therefore made themselves party to the Crime. For this reason I will now include these Interested Parties in Charges relating to what is set out herein.

11.1 I have tried for years to get the Directors and their agents and the following Interested Parties, many of whom are represented by DR, I think :
TW vd Heever, CR Qually, RK Store, D Peacock and the Directors and the Partners of, and, Deloitte Touche Tohmatsu ('Deloitte') and D&T trust (Pty) Ltd. T Winterboer, C Beggs, JS Fourie, JTC Wilkinson and the Directors and the Partners of, and, PriceWaterhouseCoppers Inc. R Driman, MJ Hart and the Directors, and the Partners of, and, Deneys Reitz. SD Msomi, JH Dijkman and the Directors and Partners of, and, the South African Institute of Chartered Accountant. J O'Connor and the Directors of, and, the Public Accountants' and Auditors Board/the IRBA. Advocate J Marais, SE Nxasana and the Directors of, and, the Banking Association South Africa. Advocates N Melville, JF Myburgh SC and the Directors of, and, the Ombudsman for Banking Services. Advocates A Botha, HS Epstein SC, DI Berger SC, A Bester, CG Lamont SC, JLJC van Vuuren SC, van Eeden, G Wesson, G Clarke and the Bar Council/Society of Advocates. P Waugh and the Directors of, and, Fedile Trust (Pty) Ltd. To assist me to get this problem resolved, before approaching the Police. They are all not interested. They all just 'turn their blind eyes' to this problem, - this problem of this Crime at FRL and the Falsification of the FRL AGM Minutes 2001, 2002, 2003, 2004, 2005, 2006. These Directors are actually protected from being exposed by these named Interested Parties, unfortunately.

11.2 Had these Interested Parties openly assisted me and the Police instead of consciously trying to assist these CROOKS to cover-over, and to get away with, known Crime, then this Organised Crime could have been prevented, and/or then Prosecutions could have been affected.

12. I will ask the South African Police Services to Investigate Charges based on what I have set out herein, and to criminally prosecute the party/parties who have perpetrated the crimes of Theft, and of Fraud and of Organised Crime including 'money laundering' and 'round-tripping' and of 'Conspiracy' and of 'Corruption' and of 'Defeating the Ends of Justice' against me in my person, and against me as a shareholder, and against the general body of Shareholders of the Public Company known as First Rand Limited (FRL) and against the General Public at large.

I further wish to place on record the following - I do so with the following Rights :

  1. I am a Shareholder in FRL.
  2. I have a Claim against FRL/FRbHL/FNb, having been Sequestrated by means of Fraud and other related Crime. I was also the director of Mazlen Holdings (Pty) Ltd which company was Liquidated by means of Fraud and other related Crime.
  3. I have opened about 17 Police Cases against the Directors of FRL, their agents and others. I am now recently aware of further known Crime involving the named Directors and 'sort of' Directors, on the one hand, and the Auditors PWCI and DTT, on the other hand. I am ready to now open a further 2 Police Cases against these parties involved in the known Crime.
  4. I am a concerned Citizen
  5. The Honourable State President has himself called upon the Accounting Profession to assist the Nation to root out Crime. It is CA's who are also named in the about 17 Police Cases. It is CA's (including the CEO of FRL for 9 years whilst all the known Crime was happening, LL Dippenaar CA) who are again involved in 2 Police Cases that I am shortly going to open (ref iii above)
  6. Poverty-stricken People are being arrested 'left right and centre' but here are wealthy 'fat cats' 'doing Crime' and using their Auditors to 'turn their blind eyes' away as if they agree. This is in breach of their Duty in terms of the Law and in terms of Acts of our Parliament. This is so wrong.
  7. The Crime is very serious Crime because it is in contravention of the Prevention of Organised Crime Act (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA) with fines of up R 100 million and imprisonment of up to 30 years ! Even then these Directors of this bank/Public Company and their CROOKED agents (Auditors DTT and PWCI) do not care because they seriously believe they are above the Law of the Land. They are not above the Law of the Land.
  8. By the parties named herein simply refusing to take this very serious on-going Crime seriously, the message that they are sending out to the People is that Crime is O.K. Just so long as it is these big big Public Companies, wealthy Directors and CROOKED Auditors who are 'doing the Crime'. That is so wrong. Then these same people wonder why the simple poor People 'do Crime', including violent Crime. Then you have these very same Directors (many of whom are CA's) wanting to mount a campaign to seriously embarrass and to 'hustle' the Office of the Honourable State President with letters of Complaint about the Crime.
  9. I have lodged very serious Complaints with the PAAB/IRBA and The SAICA and the ICS.

12.1 I will attach dividend cheques which I was paid but which I consistently have refused to cash because I advised the Directors of FRL that these payments were coming from the proceeds of known Crime. I have in my possession four FNB (An authorised Financial Services Provider) Cheques, signed 'For and on behalf of FirstRand Limited' marked as INTERIM DIVIDEND :

12.1.1 I handed all previous dividend cheques back to the Chairman at FRL AGM's.

12.2 It is my belief, and I will request the Police, that all dividends paid from known Organised Crime should be confiscated by the Police and the guilty parties must be Prosecuted. This is in terms of the Prevention of Organised Crime Act (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA) The amounts involved exceed R 100,000-00 by far.

12.3 The FRL BEE deal is also involved because this deal was funded from money received from Organised Crime in regard to the purchase, running for a profit, and the disposal of this bank known as Ansbacher/FNb.

13. The above listed Criminal Activity relates to transactions involving R millions which took place at Sandton and to the "deposits", and then almost immediate withdrawal of, "dividends" as well as the commissions/ "profits" paid of R 225,000-00. The purpose of these Fraudulent transactions involving 'money laundering' and 'round-tripping' was to evade paying tax by the Directors of Discovery Group (a FirstRand subsidiary) with the assistance in this Fraud, by the Directors of FirstRand bank Holding Limited/FNb/ Anshbacher in exchange for the payment of commissions/"profits" (R 225,000-00) The Directors of FirstRand Limited have also involved themselves because the bank is owned by FRL with common Directors.

13.1 The Annual Reports of FRL do not reflect these Fraudulent transactions except that the commissions/ "profits" paid of R 225,000-00 are included.

13.2 This is Fraud to deceive the Shareholders of a Public Company and the General Public.

13.3 Had the Information been included about how this money was 'made' i. e. it was made on a fictitious Fraudulent transaction, known to the Directors of FRL (because the Chairman of Discovery and CEO of FRL was the same person - LL Dipenaar) the share price of the shares of this Public Company would have dropped.

13.4 The Auditors named in point 10.1 and 10.2 above must have known of this Crime, but also 'turned their blind eyes' to it because of the very fat fees of about R 80 million per annum they are paid (each) to do the books of this bank/Public Company.

13.4.1 The Auditors have signed off the AFS's and reported to the Shareholders that 'all is well'. Yet what of the Discovery/Ansbacher/FNb/FRbL/FRL commissions/"profits" of at least R 225,000-00 'earned' from known fictitious and Fraudulent transactions involving 'money laundering' and 'round-tripping' to evade paying tax by the Directors of Discovery Group ? What of this Crime ? This highly Organised Crime which was well known to Director LL Dippenaar when he was the CEO of FRL, and when DTT and PWCI were the Auditors ?

13.5 DR (named in point 1.3 above) are fully informed of this Crime. DR have in their possession a certain Court file in which the Fraud and other Crime is spelled out. I will require the Police to look into the contents of this Court file for the proof of the Charges which I will be laying against these parties. In fact I believe that this is 'just the tip of the ice-berg'. I believe that the Police will find more Crime identified in this Court file.

13.6 I have notified the above named parties that I regard this Organised Crime as being very serious because of the implications for the Shareholders of this Public Company, of which I myself am a Shareholder, and LIES and intentional omissions from the Annual Reports presented to the general body of Shareholders with Criminal Intent to Fraudulently deceive them, and the General Public at large, and to stop the share price of this Public Company from dropping.

13.7 I have called on the Directors of FRL to advise me how much the dividends are that have been paid out to Shareholders from the proceeds of Organised Crime.

14. I have in the past seen the necessity to lay other Criminal Charges against the Directors and against the agents and against the employees such as the managers, the Company Secretary, the lawyers, the Advocates, the Auditors, and the estate agents, of this Public Company FRL.

14.1 I will request the SAPS to also look at, and to seriously consider, these previous Criminal Charges together with my Statement concerning these Charges.

14.2 It is my belief, based on my personal experience, that this particular Public Company, First Rand Limited, it's Directors, it's employees, it's agents (lawyers, Advocates, Liquidators, estate agents) all believe that they can act with Criminal Intent and be involved in Criminal Activity - things like Theft, Fraud, Mis-representation of the Truth, "undue influence", Duress, Coercion, Defamation of Character, Threats of physical violence, (including murder), of 'Conspiracy', of 'Corruption' (including Bribery), of 'Defeating the Ends of Justice' including money laundering, and round tripping, and tax evasion simply because they are all above the Law of this Land, - in their own eyes.

14.2.1 They believe that the Law can not prosecute them because they have got away with this sort of Bad Behaviour and Bad and Illegal Business Practice for so long in the past.

14.2.2 They are 'too clever' for the SAPS to prosecute them, along with their agents, and working under the 'protection' of their agents - their lawyers, Advocates, Liquidators and estate agents - in their own eyes.

14.2.2.1 And they all have nothing to fear - the SAPS can do nothing - they are all too 'powerful' and all 'too clever' - using their agents to do their dirty work and to then also use these same agents to protect them from prosecution by the SAPS - in their own eyes. 1

5. To me this Public Company, these Directors and agents are not above the Law of the Land.

15.1 Not one of them is above the Law. 16. The Prisons of South Africa are full and over-flowing with Criminals. I know because I have worked for four years as a spiritual worker in the Prisons.

16.1 It is Right to Prosecute Criminals and to place them in Prison.

16.2 Yet how come these Criminals - these Directors, employees and their prized agents (Auditors, lawyers, Advocates, Liquidators and estate agents) people who break the Law, people who 'do Crime', are not Prosecuted ?

16.2.1 Is it only because they are so 'clever' ?

16.2.2 Or is it because this bank has such a lot of money to 'splash around' - e. g. to pay R 1 million Rand to a man with no banking experience who just happened to be the Minister of Transport when this bank, this Public Company, was awarded R billions of Rands worth of 'contracts' by the State ? i. e. "The FirstRand Limited/Marahaj Scandal".

16.2.3 Is it because this Public Company can pay R 60 million to the Irish Government that the Directors have assured me, as a shareholder in this Public Company, is not due and owing, but was paid because of all the time and expense it would have incurred defending what the Directors say is the Truth ? - i. e the "Ansbacher Scandal". And now this "Ansbacher Scandal" is revealing more Crime, including Organised Crime, the "Discovery/Anschbacher Scandal" Money Laundering, Tax Evasion, Theft, Fraud and so on (refer my other Statement to the Police submitted with this Statement to the Police) Even the FRL BEE deal and dividends from Organised Crime are now coming out.

16.3 I will refer the Police to the Company Secretary of FRL, Mr AH Arnott, and I will supply them with his contact tel 011 282 1808 and fax 282 8088. 16.3.1 Perhaps if the SAPS makes contact with this gentleman he is now in a position to assist the Police with the Investigations because at the meeting the Chairman of FRL said the bank has never even heard from the Police !

17. I ask DR to obtain from FRL and the other agents copies of all correspondence and my very serious Complaints (you should by now have them)

17.1 If DR want any further information please notify me. I did already supply the SAPS with a copy of the Minutes of the meeting 23/2/05 where the Theft was discussed in detail with the Chairman of FRL, Ferreira, and with the Company Secretary, Arnott, and the subsequent letters where I again set out, and I high-lighted, the Theft - to the Directors of FRL.

17.1.1 I was requested to supply the Police with further details. This I did in a comprehensive letter dated 29/8/2005, copy was also attached to my Statement to the Police dated 25/5/05 OB 1355/05/2005 Case No. 450/05/05.

17.1.1.1 I can supply DR with this Statement which should be read in conjunction with Case No 450/05/2005 and the other about 16 Police Cases opened against these CROOKS. 18. First National bank, has recently been advised to re-pay over R154 million to bond-holders who were also CHEATED. I hear that Bond-holders want to be refunded R 1 billion by First National bank (not just R 154 million)

18.1 Why I raise this is because it is the time that the People stand up to this bank and stop the greed and the Crime at this bank. We need the Police to help us to do it, though.

19. I would like to mention the 'campaign' by the CEO of this bank/Public Company where he tried to flood the Office of the Honourable State President with letters of Complaint about the Crime in South Africa. This is Mr Paul Kenneth Harris (no relation of mine) I have written and I have advised the parties that I intend to name in my Statement to the Police that I will help PK Harris. I will approach the Police about Serious Economic Crime right under his nose, where he (this PK Harris) is a huge beneficiary by way of his dividends from this Organised Crime where he himself was the CEO of this bank and now he is the CEO of this Public Company that owns this bank. So if anybody knows of this particular Crime it is PK Harris and his 'hustler' partners Director Dippenaar and Chairman GT "ge-tuned" Ferrerira. I wrote and I asked them to kindly advise me, as a shareholder unwittingly receiving money from Organised Crime, what is my position in regard to the BEE deal ? My shares were reduced from 100 down to 92 in order to facilitate this BEE deal. Now I believe that this BEE deal has been financed by way of the proceeds from Organised Crime. I asked them - Is this True ? I asked them to please advise me URGENTLY. I wrote that I don't want to go to the Police with the wrong information.

19.1 This CEO of this Public Company, this CEO of this bank when the Organised Crime in regard to the "Discovery/Anschbacher Scandal" Money Laundering, Tax Evasion, Theft, Fraud and so on was in progress, PK Harris, he calls the Crime and the LIES in regard to me and my family and Mazlen and The Mazlen Trust "frivolous". To me all this known Crime and all these known LIES are by no means "frivolous". They are very serious, to me. I will never accept them. I have advised the parties listed in this Statement to the Police that I want to make that clear, if I have not done so in the past. Over 40 years of my life's hard and honest work ROBBED from me and my family and The Mazlen Trust, and the Charities involved; Willie and Agnes ROBBED after 30 and 25 years hard and honest service to me. It is not "frivolous". Perhaps to a self-confessed 'hustler' (PK Harris) and his self-confessed 'hustler' co-Directors (Dippenaar and GT "ge-tuned" Ferrerira) who have made for themselves a few R Billion out of small Clients of this bank (like we were) it may seem to be "frivolous". But to us it is not a laughing matter, even though this vulgar man Dr vz Slabbert and Dippenaar and Ferreira find it all highly amusing, even funny.

19.2 But then, I believe, it is this same CEO of this bank for the past 8/9 years, present CEO of this Public Company, this self-confessed 'hustler' PK Harris, who has an attitude of total unconcerned dis-belief and self-asserted self-confidence - when confronted with the "Discovery/Anschbacher Scandal" Money Laundering, Tax Evasion, Theft, Fraud i. e. all this known Crime, he says he can see "nothing wrong", "nothing new" "business as usual" - "now, then, how can we help you" (to rob you blind) He says all these CROOKED FRL/FRbHL Directors, and all these CROOKED Shareholders, and all these CROOKED dealings and all this CHEATING is all known to the Authorities and that they all have been given amnesty, because all this CHEATING has been "dealt with". Time will tell.

(I do concede - it may not have been this particular self-confessed 'hustler' Paul K Harris, but it may have been the other self-confessed 'hustler' Laurie Dippenaar, or it may even have been the other self-confessed 'hustler' GT "ge-tuned" Ferreira who says the Authorities know of all this Organised Crime in contravention of the Prevention of Organised Crime Act and the Prevention and Combating of Corrupt Activities Act (PACCA) and who have granted all these CROOKS amnesty. Time will tell)

I see the same 'terminology' "dealt with" being used in regard to the CHEATING in the "Discovery/Anschbacher Scandal" Money Laundering, Tax Evasion, Theft, Fraud Organised Crime etc, as I see being used when I and my family and The Mazlen Trust and Willie and Agnes were also CHEATED by this bank/Public Company. When I am "thrown out" of FRL AGM's because I dare to try to expose known Crime exceeding R 100,000-00 (known to all the Directors of FRL/FRbHL) and when I dare to try to have known LIES about me and my wife and my family and The Mazlen Trust removed from the permanent Records of this Public Company because I will never accept that these known LIES stay there, and I will never accept the known Crime perpetrated against us. It is as simple as that.

20. I will request the Police to please Investigate and to assist me to Prosecute those guilty of this Crime against me as a Shareholder in this Public Company and as a concerned Citizen.

21. I have asked your Principals in my letter 15/6/07 (which you will have seen because the letter is also addressed to DR as an agent) to grant me the permission to inspect the file in your Offices removed from the High Court. (ref is at point 5.1 page 10)

21.1 Kindly advise me a suitable date and time. Thank you. Or should I just 'pitch up' ?

22. I ask you, Mr Hart, and I ask all the Director and Partners at DR - is it not the time to meet with me to discuss all this Crime and how we can assist the Police together ?

22.1 Ferreira says he wants the Truth in the Annual Financial Statements of this Public Company. His co-Directors have said the same. He also said he will "EXPUNGE" all the known LIES that he and his Auditors and Driman/DR and his CEO (PK Harris) intentionally told the Shareholders of this Public Company.

22.2 After the 7 days notice given to your Principals/clients (which you will have seen because the letter of notice 15/6/07 is also addressed to DR/FRL agents) I will proceed to the Police and I will make a Statement largely based on the content of this letter, and what I have set out herein.

22.2.1 I will far prefer it if Mr Hart will accompany me and assist me and the Police with all this known very serious Crime involving Contraventions of the provisions of the Prevention of Organised Crime Act (POCA) and the Prevention and Combating of Corrupt Activities Act (PACCA)

Your sincerely,

M E Harris.

P. S. Please discuss the contents of this letter with FRL Company Secretary Arnott, because I intend to again approach the Minister about breaches of the Companies Act, as well as with all your different, varied, clients because I intend to further join the guilty parties under the 'Conspiracy' to commit Crime and the 'Corruption', Theft, and Fraud and Organised Crime including 'money laundering' and 'round-tripping' and of 'Defeating the Ends of Justice' aspects of the latest Crime which is by now well known to you, as lawyers, and to your varied clients, as the Criminals. Thank you.

P. P. S. If there is anything in this letter with which you do not agree (or in the past correspondence over the last more than two years, including the correspondence to your clients) please say what it is, specifically. I intend to use the contents of this letter, to 'table' it at the 2007 AGM of FRL and to approach the High Court and then the Constitutional Court and to use the Truth set out above in Applications to these Courts, as well as, shortly, to the Police.
Thank you again.

cc To Interested Parties. _______________________


(extract)
30/10/2006.

Michael Harris.

Box 52240 Saxonwold 2132 Jhb.

The Chairman - Mr MJ Hart and
The Directors/Partners of Deneys Reitz Inc. and
Deneys Reitz Inc.
by hand.

Dear Mr Hart, Mr Driman and all the Directors/Partners of DR,

FRL AGM - 23rd November 2006.

Charges of Theft, Fraud, Mis-representation of the Truth, "undue influence", Duress, Coercion, Defamation of Character, Threats of physical violence, of 'Conspiracy', of 'Corruption' , of 'Defeating the Ends of Justice'/the Directors and the Company Secretaries First Rand Limited, their agents and others.

1. Police Cases and all previous correspondence refer, including your "Statement - ME Harris" December 2003 (full of your LIES and your TRASH), affidavits, correspondence oth to and from your various clients etc.

2. It is a real disgrace the way the Directors and DR, and others, have decided to simply ignore every appeal I have made to them for help to expose all this known Crime and all these known LIES, to help me and the Authorities to Prosecute, and to "EXPUNGE" (your client's word) the LIES from the permanent Records of this Public Company/ "Remove the LIES and replace the LIES with the Truth in the permanent Records of his Public Company" (which are my words)

2.1 It is why I have named the Directors of DR and DR, and other Interested Parties, along with the Directors of this bank/Public Company, their agents and others, to the Police.

(Kindly confirm to me, in writing, please, that it is 'six of one and half a dozen of the other', the choice of words - "EXPUNGE", "remove", "replace" when speaking of your (Mr Robert Driman/DR) and Winterboer/PWCI LIES, and when speaking of the Truth. It is your client, Ferreira, speaking for and on behalf of all the Directors and the Shareholders who has made it quite clear, to them and to me - he wants only the Truth in the permanent Records of this Public Company, and so do his co-Directors, and so do the Shareholders of FRL)

And so do I. In fact, as you well know, I insist on it.

3. Attached is a copy of a letter 30/10/06 to Computershare Limited. I want to pass the contents of this letter on to you. I am not sure whether you also are the lawyers for Computershare Limited, you see.

3.1 I again appeal to you all to help me and the Police to expose the Crime and the LIES at the 2006 AGM of FRL, and thereafter to Prosecute. Thank you.

3.2 I am not sending to you copies of my correspondence, affidavits, minutes of the meeting with your clients Ferreira/Arnott, transcripts, etc etc etc, or of correspondence with the Auditors, Prosecuting Authorities, your clients' correspondence directly to me, and so on. I believe it is not necessary and that you have got such copies from your various clients, have you not ? Of significance is my letter 23/10/06 to your 'main' clients because it is Mr Robert Driman who I am appealing to - please do not try to remove me by force from the 2006 AGM of FRL (I mean by turning to your body-guards) until I have fully Objected and until I have fully explained the full extent of the LIES and the Crime because your client, Ferreira, speaking for your other clients (his co- Directors) has undertaken to "EXPUNGE" the LIES and to "Replace this LIES with the Truth" in the permanent Records of this Public Company.

But he has failed to do it yet.

3.2.1 I record that your and your clients' acceptance of that which I have written, is confirmed by your and their not responding and not denying that which I have written to them all, and to Mr Robert Driman/DR over a period of well over a year now.

3.2.2 I record further that your client, Ferreira, has taken it upon himself to deal directly with me and my family in private, and with me in Public Meetings (FRL AGM's) and that by Mr Robert Driman/DR no longer denying everything and threatening me, Mr Robert Driman/DR have accepted as the Truth that which I have written to your clients and to Mr Robert Driman/DR over the past well over a year now.

3.2.3 If there is anything I have written to Mr Robert Driman/DR or to your clients which is now going to be disputed, then please advise me urgently. You see I will be including that which I have written to your clients and to Mr Robert Driman/DR to Interested Parties and I will be taking it that Mr Robert Driman/DR and your clients have agreed with what I have written, because I have had no denials, for more than a year now. In fact I see that the last attempts by Mr Robert Driman/DR to deny everything and to threatened me seemed to be already 'petering out' before the meeting with your client, Ferreira, in early 2005 !

3.2.4 When I do approach the High Court because Mazlen was Liquidated and I was Sequestrated based on Crime, including Fraud exceeding R 100,000-00 in more than one instance, known to Mr Robert Driman/DR and to your clients, and others, and then on to the Constitutional Court, I will most certainly include all the correspondence (and affidavits) where I have recorded the Truth, and where Mr Robert Driman/DR and your clients have not denied it, or disputed it at all. In fact you will recognise, as lawyers, the statements by your client, Ferreira, both at the private meeting with his Company Secretary on the 23/2/05, and at Public Meetings, in the presence of the General Public and the Shareholders and the News Media present, that he (Ferreira) has at last, after 4 years of using his lawyers and his Auditors to deny everything and to just threaten me, he (Ferreira) has agreed, Praise the GOOD Lord, he wants all the LIES "EXPUNGED" and he wants only the Truth to be recorded in the permanent Records of this Public Company. He has even apologised for some of the LIES. He needs to also, of course, apologise for the rest of his (and your) LIES.

3.2.5 In regard to the LIES about the totally wrong Police Cases, let me remind Mr Robert Driman/DR what was agreed at the 2005 AGM of FRL

Quotes by Ferreira/Arnott to the Meeting - in regard to the LIES, especially the totally wrongly stated Police Case:

F "Alright Mr Harris we will take out the wrong Police Cases and details and we will put in the correct details into the permanent Records of this Company."

F "And I probably read it because - to demonstrate that what you had given us was incorrect" (Ferreira's 'story' of why he read the LIES into the permanent Records of this Public Company, when he knew the Truth)

F "We will remove it and we will replace it with any other Police Case that you want to give us. .. And I apologize if that has Defamed you."

F "Mr Harris, you have now heard I have said in front of this audience, we will take them out. We will replace them with whatever else you want us to replace them with (referring here to the LIES about the intentionally wrongly quoted Police Cases)

Arnott : "Mr Harris, before I ask the Chairman to perhaps have you removed from the room .. in this letter here that you've tabled, you've got on page 9 - "This is the True list of Police Cases that must replace the LIES". Is that what you want . would like me to include in the Minutes ?" (reading from my letter 22/11/05 - Information)

H "That and other things. Yes to the Police Cases. Thank you. OK"

H "Can I please have an undertaking from Mr Arnott in front of his Partners/Directors on record that you will put the Truth about the bond for Buccleuch. Remember that one OK. And there are several others Sir, which I hope I will get a chance to high-light. Even a Magistrate has said so. And this man Mr Driman sat in Court when he heard .. . "

Arnott "We consulted with our internal Audit department, they appointed a woman who spent probably 6 weeks at "DR" going through all the correspondence, all the files, all the Deeds, all the cessions, securities, and the actions, Court Orders the rest of it. We came to the same conclusion .."

(nothing wrong - except of course the LIES which Ferreira and Arnott have now at last made a start to remove. Praise the GOOD Lord)

Specifically the LIES about the completely wrong Police Cases to do with your lawyer/now your Advocate :

Your client, Ferreira, said to the AGM on the 22/11/2005 :

"..subsequent to that there were altercations with the bank with the bank's attorneys, which I do not want to go into at this time, but it is still continuing ... "

At the FRL 2001, 2002, 2003, 2004, 2005 AGM of FRL Ferreira LIED that the Police Charges against your lawyer, now your Advocate (used by this bank to Liquidate Clients based on Crime including Fraud exceeding R100,000-00 in more than one instance) were -

"Robbery of a cel phone - with fire-arm", whereas Police Case

232/10/2000 Sandton - is Assault - Criminal charges laid against : FNb lawyer : CB McEwan (now an Advocate) Ferreira LIED that the Police Charge against this lawyer was : "Road traffic sign", whereas Police Case 1567/01/2001 Sandton - is Perjury/Defeat ends Justice - Criminal charges laid against : FNb lawyer : CB McEwan (now an Advocate), and others. Ferreira LIED that the Police Charge against this lawyer was : "Standard bank cheque withdrawn", whereas Police Case 1781/02/2001 Hillbrow is Theft, Misrepresentation of the Truth, Fraud - Criminal charges laid against : FNb lawyers : CB McEwan Attorneys, and CB Mc Ewan (now an Advocate), and others. Below is the correct "detail" of the Police Cases. Your one client, Arnott, even asked me and I agreed. Your other client, Ferreira, and your clients, the Directors, were there too and all agreed. The Shareholders were there and they agreed. The meeting was open to the General Public and nobody present dis-agreed. The News Media were there - they can confirm it too Arnott : "Mr Harris, before I ask the Chairman to perhaps have you removed from the room .. in this letter here that you've tabled, you've got on page 9 - "This is the True list of Police Cases that must replace the LIES". Is that what you want . would like me to include in the Minutes ?" (reading from my letter 22/11/05 - Information) H "That and other things. Yes to the Police Cases. Thank you. OK" I a 43/04/1999 Norwood - Misrepresentation, Fraud - Criminal charges laid against : FNb lawyers : Smit and Loundes and FNb Advocate : B Masselle. They subsequently rescinded the Judgements which they had earlier obtain by telling LIES to High Court Judges. I b 280/04/1999 Norwood - Misrepresentation and Fraud - Criminal charges laid against : The Directors of ABSA bank and attorneys De Vries Serobe. They subsequently rescinded the Judgement which they had earlier obtain by telling LIES to a High Court Judge. ___________________________________ I,ii,iii 106/07/1998 (3 separate charges) Yeoville/Hillbrow - Theft, Fraud, Mis- representation of the Truth, Duress - Criminal charges laid against : FNb Managers at Rosebank, First National Nominees (Pty) Ltd, Fnbank of Southern Africa Limited, First National Equities (Pty) Ltd. iv. 232/10/2000 Sandton - Assault - Criminal charges laid against : FNb lawyer : CB McEwan (now an Advocate) v. 1055/12/2000 Hillbrow - Fraud, Mis-representation, Duress - Criminal charges laid against : FRL Directors : GT Ferreira, MW King, LL Dippenaar, VW Bartlett, PK Harris, B H Adams, J A Craig, D M Falck, P M Goss, S R Maharaj, KC Shubane, BJ van der Ross R A Williams, FNb trustees : Directors Westrust (Pty) Ltd, L Cohen, N Bowman, N Klein, AD Pellow, FNb property agent : Dirtectors Property Mart AW Hartard, C Mostert, FNb lawyers : Smit and Loundes, AG Loundes, PH De V Smit, SJ Pratt, CPW Jones, E van der Vyver, AG Anderson, G Wright. vi. 1567/01/2001 Sandton - Perjury/Defeat ends Justice - Criminal charges laid against : FNb lawyer : CB McEwan (now an Advocate), FNb Liquidator : TW vdHeever, FNb Advocates : J Both, B Masselle and others. vii. 1781/02/2001 Hillbrow - Theft, Misrepresentation of the Truth, Fraud - Criminal charges laid against : FNb Auditors' : 'front' 'dummy' Company Deloitte and Touche Trust (Pty) Ltd/D&t Trust (Pty) Ltd, Directors V Naidoo, GG Gelink, MD Gibson, SE Laphala, AM Rennie, PWM Reynolds, TW vdHeever, FNb lawyers : CB McEwan Attorneys, and CB Mc Ewan (now an Advocate). viii. 924/12/2001 Sandton - Mis-representation, Fraud, Defamation - Criminal charges laid against : FRL Directors : GT Ferreira, MW King, LL Dippenaar, VW Bartlett, PK Harris, B H Adams, J A Craig, D M Falck, P M Goss, S R Maharaj, KC Shubane, BJ van der Ross R A Williams. FNb Lead Bankling Partner/Auditor : TW Winterboer and others. ix. 449/11/2002 Hillbrow - Fraud, Mis-representation, Duress - Criminal charges laid against : FRL Directors : GT Ferreira, MW King, LL Dippenaar, VW Bartlett, PK Harris, B H Adams, D J A Craig, D M Falck, P M Goss, S R Maharaj, M C Ramaphosa, KC Shubane, BJ van der Ross, Dr. F Van zyl Slabbert, RA Williams FNb Directors : all the Directors. FNb Managers : Scheepers, Grobelaar, Loiziokis. x. OB 115/09/2003 Hillbrow - Bribery, Corruption, Fraud - Criminal charges laid against : FRL Directors : GT Ferreira, MW King, LL Dippenaar, VW Bartlett, PK Harris, SR Marahaj, B H Adams, D J A Craig, D M Falck, P M Goss, M C Ramaphosa, KC Shubane, BJ van der Ross, Dr. F Van zyl Slabbert, RA Williams xi. OB 2053/02/2004 Hillbrow - Defamation, Mis-representation, Fraud - Criminal charges laid against : FRL lawyers : Robert Driman and Deneyz Reitz, FRL Direcotrs : GT Ferreira, MW King, LL Dippenaar, VW Bartlett, PK Harris, B H Adams, D J A Craig, D M Falck, P M Goss, M C Ramaphosa, KC Shubane, BJ van der Ross, Dr. F Van zyl Slabbert, RA Williams . xii. OB 2053/02/2004 Hillbrow - Defamation, Intimidation - Criminal charges laid against : FRL Director : PM Goss. xiii. 211/05/2004 Jhb. Cntrl/OB 346/05/2004 Hillbrow - Misrepresentation of the Truth, Fraud - Criminal charges laid against FRL Directors : GT Ferreira, MW King, LL Dippenaar, VW Bartlett, PK Harris, D J A Craig, D M Falk, P M Goss, NN Gwagwa, G Moloi, KC Shubane, B J van der Ross, Dr. F van Zyl Slabbert, R A Williams. xiv. 170/05/2004 Morningside/OB 346/05/2004 Hillbrow - Corruption, Conspiracy to Commit Crime, Fraud, Defeating the Ends of Justice, Defamation of Character - Criminal charges laid against FRL Directors : GT Ferreira, MW King, LL Dippenaar, VW Bartlett, PK Harris, D J A Craig, D M Falk, P M Goss, NN Gwagwa, G Moloi, KC Shubane, B J van der Ross, Dr. F van Zyl Slabbert, R A Williams. FNb Managers : J Stott, LC Loizakos, DJ Scheepers, FRL Company Secretaries : P de Beer, AH Arnott, PEJ van Rensberg, FRL Advocates : M Masselle, J Both, CB Mc Ewan, M Olivier, FRL lawyers : R Driman and Directors/Partners Deneys Reitz, FRL Liquidators : TW vd Heever, CHJ Barnard, P Waugh, FRL Auditors : Liquidators : Directors 'front' 'dummy' Company Deloitte and Touche Trust (Pty) Ltd/D&t Trust (Pty) Ltd and Directors GG Gelink, SE Lehapa, V Naidoo, PWM Reynolds, TW vdHeever, FRL trustees : Directors KVR International JHJ van Rensberg, S Roopa, P Waugh, GB Mtshweni, S Deas, FR de Villiers, TK Morris, PH Pfaff, Directors Fidile Trust (Pty) Ltd P Waugh, M Ramanus, trustees P Waugh, G Nell, FRL/FNb Auditors : all the Partners at Deloitte/Deloitte and Touche/ Deloitte and Touche Tohmatsu, FRL Auditors : all the Partners at PricewaterhouseCoopers Inc, FNb Property agents : AW Hartard, C Mostert, Directors of the Public Accountants and Auditors Board : Ms RE Benjamin-Swales, SA Fakie, J van Rooyen, WL Johnson, IA Mamoojee, I Pillay, CR Qually, GK Everingham, S Zilwa, C Koornhof, CF Reid, GL Le Roux, WP Du Plessis, EN Oelofse, Fmtoba, Master of the High Court : L Lategan and DJ Krige. xv. 450/05/2005 Bramley/OB 1355/05/2005 Sophiatown - Defamation, Mis- representation, Fraud - Criminal charges laid against : FRL Directors : GT Ferreira, MW King, LL Dippenaar, VW Bartlett, PK Harris, D J A Craig, D M Falk, P M Goss, NN Gwagwa, G Moloi, KC Shubane, B J van der Ross, Dr. F van Zyl Slabbert, R A Williams. FNb/FRbL/FRL Company Secretaries : BW Uncer, AH Arnott and others. Xvi A further Police Case is opened following Fraud and Defamation at the AGM 2005/in the Minutes. The full "detail" of the Crime and the Parties named to the Police in this Police Case will be supplied (tabled) at the 2006 AGM of FRL. If Mr Robert Driman/DR requires the full "detail" sooner, please just ask. Thank you. 5. There are the other LIES which must still also be removed. These full "details" have been supplied to your clients, and these full "details" are tabled (and will be further tabled i. e. the "detail" of the NEW LIES told by Ferreira, like a coward, behind my back, after he called in his body-guards and had me "thrown out" the Meeting and removed from the meeting and the property at the 2005 AGM of FRL) and are (and will become) a permanent part of the Records of this Public Company. 5.1 I ask Mr Robert Driman/DR to look carefully at the Truth, compared to the LIES which I have identified in sufficient "detail" and again I have specifically drawn your clients' attention to them (all the LIES) in my letter 23/10/06 in full "detail". 6. I believe that Mr Robert Driman/DR are still the lawyers for the Directors of, and also for, this bank (FRbHL/FNb) and this Public Company (FRL). At the Enquiry in the presence of the Honourable Magistrate Mrs H Raath I believe Mr Robert Driman/DR were there representing the Directors of FRL/FRbHL/FNb and the Managers, such as Stott and Scheepers. I know, from past written advices which I have received from Mr Robert Driman/DR, that the Company Secretaries of these particular Companies (FRL/FRbHL/FNb) are also represented by Mr Robert Driman/DR. I recall being told that Mr Robert Driman/DR do represent Managers such as Stott (retired), Scheepers, Grobelaar, and all the 'sort of' directors at FNb, such as W Lucas-Bull (retired/left), 'big Ed' Grondel, Michael Jordaan and all the other 'sort of' directors at FNb. I recall being sent to Sandton, to see Mr Robert Driman/DR by the Head Office of FNb Homeloans because, I was told, 'Mr Robert Driman will sort you out'. I went to see Mr Robert Driman/DR to try to obtain full disclosure on the Fraud aspect of the Crime in regard to the bond on my and my wife's home. I went to discuss the Police Case opened against his clients, and others. (All I got then were denials and threats). That is when I first came into contact with Mr Robert Driman. I think Mr Robert Driman/DR represent some of the agents used by this bank/Public Company, but not all of these agents, but I stand to be corrected. Because it was during the time of the 'chosen tactic' to deny everything and to just threaten me, then my earnest enquiries to Robert Driman/DR to please tell me who exactly he (Driman) was representing e. g. Auditors DTT, PWCI; Theodore Willhelm vd Heever/the 'dummy' 'front' Liquidation Company of DTT/FRbHL Director RK Store and his DTT Partners; lawyers CB McEwan, Smit and Loundes; Advocates Masselle, Both, McEwan, and so on, was just, simply - denied with threats. 7. I record that 'not a peep' has been coming out of the Office of Mr Robert Driman/DR for so long now that it seems to me they have given up trying to deny everything and threaten me/threaten me and deny everything (which was their 'chosen tactic' for several years in the past) In the past they just chose to deny everything and to threaten me and they therefore chose not to (refused to) grasp the opportunity to respond to the Truth about all the Crime and all the LIES. They chose to stick to the LIES about me and about my family and about The Mazlen Trust which they prepared for their client, Ferreira, and for his co- Directors - with the purpose to deceive the Shareholders, the General Public, the News Media present, and to, with criminal intent Defame me and my family and The Mazlen Trust. That was at the 2003 AGM of FRL when Mr Robert Driman, representing DR, handed his 'infamous' pack of LIES/DR 'Statement - ME Harris' to the Chairman of this bank/Public Company so that he (Chairman Ferreira) could read it, to then become a permanent part of the Record of this Public Company, trying in their (Driman/DR/Ferreira) desperation to hide and to cover-over the Crime exceeding R100,000-00 in more than one instance which was known to the Directors of this bank/Public Company, and others. It is something I will never accept. What was so wrong (actually despicable and deserving of the strongest exposure I can muster, even in the High Court and then in the Constitutional Court) is the fact that Mr Robert Driman/DR had the full contents of affidavits and "detailed" correspondence totally denying and totally refuting the earlier LIES of Winterboer/PWCI (at the 2001 AGM of FRL) Mr Robert Driman/DR had many written appeals to various of his clients, as well as appeals to DR, to please stop with the LIES and to please replace the LIES with the Truth in the permanent Records of this Public Company. Instead, in an act of vicious criminality, and with utmost malice, and knowing the Truth beforehand, Mr Robert Driman/DR made a conscious choice. They chose to continue with the LIES of Winterboer/PWCI. They chose to perpetuate the LIES, to try in their desperation, for their various clients, to hide and to cover-over the Crime, which was known to Mr Robert Driman/DR and which was known to their clients, including the Directors of this bank/Public Company and these Auditors (DTT, PWCI). They, Mr Robert Driman/DR and their clients, and including Auditors DTT and PWCI, made the conscious decision, and the choice, to tell LIES to the Shareholders and to the General Public and to the News Media present to deceive and to Defame, with no regard for the consequences - to hell with the consequences. 8. Now the latest 'chosen tactic' of Mr Robert Driman/DR, for the time being, it seems to me, is to accept that which I have recorded to them, and to their various clients that they do represent/act for, and to leave it to Ferreira, (representing all the Directors of this bank and Public Company and all the agents involved, as well as the Shareholders) to deal with the remaining outstanding "issues". 9. It is the AGM's of FRL that Mr Robert Driman/DR and their clients have chosen as the 'forum' to discuss and to deal with the Crime and the LIES. 9.1 I have accepted that it is the best 'forum' I can achieve, because Mr Robert Driman/DR and their clients (?) DTT and PWCI also (when they denied everything and just threatened me - for 4 years) wrote that they reserved their rights to respond in the right 'forum'. Then PWCI chose the 2001 AGM of FRL as the 'forum' to come with their LIES and their TASH. Mr Robert Driman/DR chose the 2003 AGM as their 'forum' to attack me with their LIES and their TRASH. I tabled the LIES of RK Store and his Partners/Directors at DTT - that they are not the secret shareholders of this 'dummy' 'front' Liquidation Company, 'run' by this 'dummy' 'front' lawyer, Theodore Wilhellm vd Heever, so that this bank/Public Company can make money from Liquidating and from Sequestrating Clients of this bank FRbHL/FNb - in secret. 10. I will send a copy of this appeal, to other Interested Parties, trying to achieve that which the FRL Chairman (Ferreira) has stated to me, in private and in Public Meetings of this Public Company, is his own desire, namely : * To "EXPUNGE" the LIES (his word), "Replace the LIES with the Truth" (my words) in the permanent Records of this Public Company. * To bring all the Crime and all the LIES before an Arbitrator to see "who is Right and who is wrong" - not just the totally wrongly stated Police Cases. * To Prosecute Criminals who have committed Crime, based on the known endorsement by all the Directors and fully supported by the agents (Auditors and lawyers of FRL) contained in the Annual Reports of FRL for the years 2001, 2002, 2003, 2004, 2005, and I am sure in previous years as well, and in the Code of Banking Practice, to which the Directors of this bank/Public Company say they subscribe. FRL's Chairman's own stated desire is also my own stated commitment - so surely we can, working together for good, achieve our common goal. 11. I ask Mr Driman/DR to, at last, 'come clean'. I ask Mr Driman to, at last, 'step forward' 'like a man'. I ask Mr Driman/DR to assist me to "EXPUNGE" the LIES/"Replace the LIES with the Truth" in the permanent Records of this Public Company. I ask Mr Driman/DR to, at last, assist the Police and the Prosecuting Authorities to Prosecute the Criminals for the Crime.

11.1 In all of the above I ask for your assistance. Thank you. Your sincerely,

M E Harris.

P. S. Please discuss the contents of this letter with FRL Company Secretary Arnott, because I intend to again approach the Minister about breaches of the Companies Act, as well as with all your different, varied, clients because I intend to further join the guilty parties under the 'Conspiracy' to commit Crime and the 'Corruption' aspects of the Crime which is by well known to you, as lawyers, and to your varied clients, as Criminals. Thank you.

P. P. S. If there is anything in this letter with which you do not agree (or in the past correspondence over the last more than one year, including the correspondence to your clients) please say what it is, specifically. I intend to use the contents of this letter, to 'table' it at the 2006 AGM of FRL and to approach the High Court and then the Constitutional Court and to use the Truth set out above in Applications to these Courts. Thank you again. cc To Interested Parties.

GOD is Number 1


(extract)

7/3/2006.

Michael Harris.
Box 52240 Saxonwold 2132 Jhb.

The Chairman - Mr MJ Hart and
Mr Robert Driman and
The Directors/Partners of Deneys Reitz Inc. and
Deneys Reitz Inc. copy faxed to Ferreira/FRL and
fax 883 4000. others at 282 8065.

Dear Mr Hart, Mr Driman and all the Directors/Partners of DR,

2005 FRL AGM - Falsified Minutes.

1. My letters 10/1/06, 3/1/06 (to DR and to 4 of your clients), 6/12/05, 12/6/05, 17/2/05, 7/2/05, 24/12/04, 21/12/04, 4/6/04 dealing with the 'general' Crime at FRL/FRbHL/FNb and dealing with the LIES of agents Winterboer/PWCI and Driman/DR and the LIES of CEO PK Harris and Chairman Ferreira and dealing with my affidavit 11/1/06 which is dealing with the Falsified 'draft' of the Minutes of the 2005 FRL AGM prepared by Arnott refer. 1.1 Correspondence to your clients refers :

1.1.1 To your clients - Mr Ed Grondel/FNb and others 17/8/05, Mrs Lucas Bull (ex)/FNb and others 17/8/05 and 21/7/05, Mr Michael Jordaan/FNb and others 7/8/05 and 20/7/05, Ferreira/FRL and others 31/5/05, 12/5/05, 21/4/05 (from 'FirstRand'/Ferreira), 5/4/05, 10/3/05, Winterboer/PWCI and others 10/1/06, 3/1/06, 6/12/05, 23/6/05, DTT 3/1/06, 6/12/05, 19/8/05 (from), 17/8/05, 16/8/05 (from), 15/8/05, 12/8/05, 11/8/05, 5/8/05 (from), 1/8/05, 20/7/05 (from), 23/6/05. Do you also act for Fedile/P Waugh ? If so then I also refer DR to the correspondence.

1.2 Your letters 10/3/05, 16/2/05, 28/1/05, 13/1/05 also refer.

1.2.1 Notably - DR have accepted the contents of correspondence addressed to DR (and as well as to all your various clients) from March 2005, through to date.

1.2.1.1 Is this because Ferreira is not using the services of DR in matters that relate to 'FirstRand' but is dealing directly for the Directors and Shareholders of FRL ?

1.2.1.1.1 What about all your other clients ? Are DR still representing Winterboer/PWCI, RK Store and TwvdHeever/DTT, Arnott and Uncer, the Managers/'Directors' at FRbHL and FNb e. g. Scheepers, Grondel, Jordaan, Lucas-Bull (ex) and so on ? 1.3 All previous correspondence to DR and to your clients refers 2. Are the 2005 FRL Minutes now signed by Ferreira (hopefully with the changes that I have requested) ?

2.1 I require a copy of the signed Minutes. Thank you.

2.1.1 When I handed in my letter 6/3/06addressed to your clients, Ferreira and others, then your client Arnott CA said that DR had the Minutes and that they had not been signed at that date (7/3/06).

2.1.1.1 Was Arnott just telling LIES again ? Please advise me so that I can address The SAICA and other Interested Parties accurately because Arnott is a CA.

2.1.1.1.1 Earlier Arnott stated, in writing, that the Minutes would be signed in February 2006, you see. 3. When will I meet with Ferreira to deal with the other LIES that must be removed from the permanent Records of this Public Company FRL - for the reason that I will not allow these LIES about me and about my family and about The Mazlen Trust to remain there ? The 'Corruption' and the 'Corrupt' activities of your firm of lawyers and of your clients undermines my Rights contained in the Bill of Rights, endangers the stability and security of our society, undermines the institutions and values of democracy and ethical values and morality, jeopardizes sustainable development, the rule of law and the credibility of our government, and provides a breeding ground for organized crime. (taken from an article written on the Prevention and Combating of Corrupt Activities Act (PACCA) 2004 by Carl Willie of Sage Limited in 'Directorship' June 2004, obtained from the IoD)

3.1 Or will all the other LIES also now be removed from the permanent Records of this Public Company FRL, as per my request and my affidavit 16/1/06, before the 2005 Minutes are signed, and without another tedious and drawn-out 'ruse' of a meeting with Ferreira, such as the previous meeting with him and his Company Secretary Arnott on the 23/2/05 which was so obviously just a 'ruse' ? I really do hope so. It will save such a lot of trouble into the future, to be sure. (By 'other' LIES I mean the LIES aside from the LIES about the Police Cases - including their contents and Case Numbers, which Ferreira/Arnott identified to the Directors of FRL and to the Shareholders of FRL on the22/11/05, in their presence, when they said to me : F "Alright Mr Harris we will take out the wrong Police Cases and details and we will put in the correct details into the permanent Records of this Company." F "And I probably read it because - to demonstrate that what you had given us was incorrect" (Ferreira's 'story' of why he read the LIES into the permanent Records of this Public Company, when he knew the Truth) F "We will remove it and we will replace it with any other Police Case that you want to give us. .. And I apologize if that has Defamed you." F "Mr Harris, you have now heard I have said in front of this audience, we will take them out. We will replace them with whatever else you want us to replace them with (referring here to the LIES about the intentionally wrongly quoted Police Cases) Arnott : "Mr Harris, before I ask the Chairman to perhaps have you removed from the room .. in this letter here that you've tabled, you've got on page 9 - "This is the True list of Police Cases that must replace the LIES". Is that what you want . would like me to include in the Minutes ?" (reading from my letter 22/11/05 - Information) H "That and other things. Yes to the Police Cases. Thank you. OK"

3.1.1 DR, and all the DR clients, know that all the LIES which I have accurately identified to the Directors of FRL/FRbHL/FNb and to PWCI and to DR must quite obviously now be removed from the permanent Records of this Public Company, once and for good.

3.1.2 DR, and all the DR clients, know that the 2005 FRL Minutes of the 2005 AGM must not be again intentionally Falsified, with Criminal Intent, so as to deceive the Shareholders and the General Public and so as to Defame me further, and once again, even after what took place at the 2005 AGM of FRL where I was treated so poorly, and where I was "thrown out of the AGM" and where Ferreira had me removed from the property by 3 of his guards, to try in desperation to prevent me, to stop me, from identifying the true extent of the Crime, the Fraud, the Police Cases, the Winterboer/PWCI/Driman/DR/PK Harris/Ferreira/FRL LIES to the Shareholders and to the General Public at the 2001, 2002, 2003, 2004, 2005 AGM's of FRL.

3.1.3 DR, and all the DR clients, know that I will, as I have warned PK Harris/Ferreira and the full Board of Directors of FRbHL/FRL/FNb, and Winterboer and the full Board of Directors and Partners of PWCI and Driman/Hart and the full Board of Directors and Partners of DR and RK Store/TwvdHeever and the full Board of Directors and Partners of DTT name them all to the Police again for Fraud and Defamation.

3.1.3.1 I will, and they all know it because I have told them I will do it if they all carry on with their incessant LIES, again approach the Interested Parties with whom I am in written contact - trying to expose and trying to stop this Crime and these Bad and Illegal Business Practices which exceed R100,000-00 in more than one count, and which are known to all these named persons and Directors of Companies and Accountants and Auditors.

3.1.3.1.1 I will once again approach these Interested Parties because I have pleaded with these Directors and Auditors and lawyers and other agents of this bank/Public Company, to stop with the LIES, to stop with the Crime and to rather step forward to expose it to the Authorities.

3.1.3.1.1.1 I have pleaded with them to stop with the intentional Defamation of me and my family and The Mazlen Trust.

3.1.3.1.1.1.1 I have pleaded with them to stop deceiving the Shareholders and the General Public, in the permanent Records of this Public Company, with their incessant LIES, as they try in desperation to cover-over the Crime the Fraud and other related Crime that they are involved in.

3.1.3.2 All these named and listed persons are involved as Directors and as Partners, as lawyers and Accountants, as agents, as defined by the various Acts of Parliament that govern them and their 'professional' behavior.

3.1.3.2.1 Including the Prevention and Combating of Corrupt Activities Act (PACCA) 2004 which deals with 'Corrupt' behavior. Your sincerely, M E Harris. CC copy faxed to Ferreira/FRL and others at 282 8065.

GOD is Number 1.

'file' named - Estate Agents Affairs Board (226) :

(extract)

5.1 Oaklands.

5.1.1 It is clear that Hartard did not cross-examine me on my evidence and on my Complaint because he knows it is the Truth. I ask the Committee to accept my version as set out in my Complaint/affidavits. My Complaint is at "blue"/1-103. My replying affidavit is at P 124 to 151. I asked him what was "irrelevant, immaterial and untruthful" - page 109. I asked him to Plse. Explain this to me. He never replied. He could not.

5.1.2 It is also clear Hartard must have discussed the bond figures with the trustee and the bank managers who sent him. He knew the matter was defended and the bank could not sell us up, but he threatened my wife.

5.1.3 I told him of the Fraud in the bond a/c. He ignored the Fraud. In fact it was through him that this bank was able to carry out the Fraud. Not R 900,000-00 but about R 450,000-00 was owing.

5.1.4 He should have left the sale of the whole property to Adrianne Hersch. The sale at R 300,000-00 had enough time to be registered. It was a good sale.

5.2 Buccleuch.

5.2.1 It is clear that Hartard did not cross-examine me on my evidence and on my Complaint because he knows it is the Truth. I ask the Committee to accept my version as set out in my Complaint/affidavits. My Complaint is at "blue"/1-103. My replying affidavit is at P 124 to 151. I asked him what was "irrelevant, immaterial and untruthful" - page 109. I asked him to Plse.

5.2.2 Hartard never should have accepted the zoning information. He should have checked the 'scheme' as the z sheet says.

5.2.3 I believe he knew it was Res 3 and that he 'conveniently' somehow used the Res 1 z sheet to 'place' it far below the Market Value. He got the 'scheme' plan, but he says it was the silly little 'Res' diagram that he got. Why did he never ask to see the 'scheme'. Because he is involved in Fraud with this bank and this lawyer McEwan (now the bank's Advocate) and with WESTRUST and with Fedile Trustees (Pty) Ltd.

5.2.4 He is not a valuer but he came up with this ridiculous figure of R 200,000-00.

5.2.5 It is also clear Hartard must have discussed the bond figures with the trustee and the bank managers who sent him. He knew the matter was defended and the bank could not sell Mrs Soden up, but he worked with this lawyer McEwan to threaten her and to make her afraid - so she signed for R 200,000-00.

5.3.6 His story about the 2 roads, the one on top of the other, was just to try to justify this ridiculous R 200,000-00 'placement' with a 'client'. He has no problem with telling LIES under oath to a Magistrate. He has no problem with telling LIES under oath to this Committee.

'files' named - Arbitration (8) and (34) and (93) and (182) and (156) :

(extract)

23rd April 2007.
Michael Harris.
Box 52240 Saxonwold 2132 Jhb.
(011) 482 1056.

Mr M King, Mr I Khoza and
The IoD Magazine.
Fax 484 1416.

Dear Editor,

  • Looking for an Arbitrator.
  • About 17 Police Cases against the Directors of FRL and their agents. Charges of Theft, Fraud, Mis-representation of the Truth, "undue influence", Duress, Coercion, Defamation of Character, Threats of physical violence, (including murder), of 'Conspiracy', of 'Corruption' (including Bribery), of 'Defeating the Ends of Justice'/the Directors, CA's, Co. Secretaries First Rand Limited/FRbHL/FNb, their agents and others.
  • LIES told by Directors of this Public Company to Members of the General Public, to their Shareholders and to the News Media present - AGM's 2001, 2002, 2003, 2004, 2005, 2006; False Minutes of Public Meetings 2001, 2002, 2003, 2004, 2005, 2006; breaches of the Companies Act.

1. Please refer to the past extensive information which I have supplied to you about the Theft, Fraud, Duress, Corruption, and other Crime at this bank/Public Company and their agents - e. g. Deloitte and Touche, PricewaterhouseCoopers Inc and Deneys Reitz.

2. We are looking for somebody to be our Arbitrator - hence the 'application' attached.

2.1 Will you be our ARBITRATOR please.

2.1.1 Alternately, can you get for us another party to be our Arbitrator, please ?

Yours sincerely,
ME Harris.

P. S. Please reply to me so that I can show to these Directors of this Public Company that I am making a serious effort to find an Arbitrator and can 'get closure'. Thank you sincerely.


(extract)

23rd April 2007.
From : Gerrit Thomas Ferreira * and Michael Harris *.
c/o Box 52240 Saxonwold 2132 Jhb.
(011) 282 1808 and (011) 482 1056.

Application for an Arbitrator.

The 'brief'.

1. GT 'ge-tuned' wants to "come before an Arbitrator" to "see who is Right and who is wrong" - quotes by GT 'ge-tuned' at Public and at private meetings (minutes available)

1.1 So does Michael. The evidence and the 'papers' available for you.

2. GT 'ge-tuned' has 3 "Forensic Reports" prepared by World-Famous, International, Auditors PricewaterhouseCoopers. GT 'ge-tuned' also has a special Report prepared by/for his Company Secretary (AH Arnott) after their lady spent a full 6 weeks in the Office of Mr Robert Driman of the World Famous, International, lawyers Deneys Reitz, looking for Theft, Fraud, Duress, LIES, and Crime at this bank/Public Company, and at their agents.

2.1 Michael has a Report by the Honourable Magistrate Mrs H Raath calling for a Police Investigation, with a view to Criminal Prosecutions, with a statement by the Master of the High Court that he (the Master) sees a prima facia case of Fraud in the Honourable Magistrate Mrs H Raath's Report, as read with the evidence. GT 'ge-tuned' also has these vital documents in his possession.

2.2 Michael has Statements in about 17 Police Cases, as well as current evidence under oath, available for you. GT 'ge-tuned' also has the Statements in his possession.2. page 2 2.

3. Payment to you for being our Arbitrator.

3.1 GT 'ge-tuned' is a Billionaire, so he will have no problem paying you. Then too, GT 'ge-tuned' has met with me and corresponded with me representing this Public Company, this bank, and these agents. He has always put himself out as representing them all. GT 'ge-tuned' has represented to me that these multi-Billion Rand Organizations will be willing to pay to find out, to "see who is Right and who is wrong" - quote GT 'ge-tuned' at Public and at private meetings (minutes available)

3.2 Michael is an Un-rehabilitated Insolvent by First National bank, so is asking for your help on a pro bono basis, please.

4. If you are willing to act as our Arbitrator, then kindly contact either party and the relevant "Forensic Reports", Reports, Police Statements etc will be supplied to you by GT 'ge- tuned'. Alternately, can you get for us another party to be our Arbitrator, please ?

Yours sincerely,
ME Harris.

* Gerrit Thomas Ferreira (affectionately known as GT 'ge-tuned'). Chairman of Public Company FirstRand Limited and other Companies; Billionaire; self-confessed 'hustler' with Paul Kenneth Harris and Laurie Dippenaar; one of the original old Rupert 'gang'; vast experience at World Sporting Events (WSE's) - co-funder of the 2010 World Soccer Event (WSE); 'waare' Afrikaaner African Stellenbosch 'boytjie'(wine Estates). Story on the inter-net and in many Magazines and Newspapers.

* Michael Ernest Harris (affectionately known as Michael, or Mike) Un-rehabilitated Insolvent by First National bank. Story not yet told. Noseweek article January 2007 Issue No. 87 attached. ____________________

'file' named - Magistrate Mrs H Raath (10) + there are a further several hundred pages in earlier files :

(extract) There are other main 'files' that are available for inspection where I have not extracted any of the contents. They are :

Competition Commission (34) : Bar Council (34) : Society of Advocates (64) : Minister of Finance (32) + there are a further several hundred pages in earlier files; Minister of Justice (39) : Minister Trade and Industries (26) : + there are a further several hundred pages in earlier files; Minister Safety and Security (38) : Public Prosecutor (49) : Public Prosecutor Pta. (6) : Discovery (20) : FRL Special Consultant Mr Donald Millwood (24) : Ombudsman Banking Services (79) : Financial Services Board (29) : Johannesburg Stock Exchange (101) : Registrar of Banks (42) : Public Accounts and Auditors Board/IRBA (67) + there are a further several hundred pages in earlier files; SA Inst. of CA's (169) : Assoc. of CA's (9) : + there are a further several hundred pages in earlier files; SA Inst. of Sects. (67) : Business against Crime (82) : Banking Assoc. of SA (52) : Inst. of Directors (44) : Bus. Leadership SA (16) + there are a further several hundred pages in earlier files; Reg. of High Court (12) : noseweek (54) : News Media 1 (244) : News Media 2 (102) : SAPS (17) and (39) and (10) and (32) and (1) : Scorpions (16) : SARS (7) :

Dear reader, if you want to read any of these files I can send them on to you. Please let me know. Thank you.