N.N. Anaka Esq: What is the wordings that the beneficiary receives when his account is partially credited? PW4: The total balance will be indicated but the amount credited will not show. N.N. Anaka Esq: Do you know that the bank has a duty to protect both literate and illiterate persons? PW4: Yes. N.N. Anaka Esq: Is it a normal practice for an account holder to use either the bank’s manager’s phone number or account officer to make confirmation in his account’s transactions? PW4: Yes and the essence of the call is for account holder to have a careful and diligent confirmation. N.N. Anaka Esq: Are you aware that the complainant in this case called your branch here in Sokoto to confirm the validity of the transactions? PW4: I am not aware. N.N. Anaka Esq: I put it to you that your branch of Sokoto were negligent in handling the transactions/confirming the transactions. PW4: I don’t think they are negligent. N.N. Anaka Esq: That is all for this witness. Court: Any re-examination. Onyeka Ekweazor Esq: Nil. Court: The witness is hereby discharged. Onyeka Ekweazor Esq: That is the case of the prosecution. N.N. Anaka Esq: In the circumstances, we apply for a date to open our defence and we have agreed to the 7/12/2020 for defence. Page 22 of 34