Polis Malaysia kaya - "Malaysian top cop has $320k seized by AFP, doesn't w

bit

Malaysian top cop has $320k seized by AFP, doesn't want it back
https://www.smh.com.au/national/nsw/malaysian-top-cop-has-320k-seized-by-afp-doesn-t-want-it-back-20180301-p4z2dw.html

One of Malaysia’s highest ranking police officers has been stripped of more than $320,000 by the Australian Federal Police, which suspected his Sydney bank account held laundered money or proceeds of crime.

Wan Ahmad Najmuddin bin Mohd, now the head of Malaysia’s criminal investigations department, opened a Commonwealth Bank “Goal Saver” account in 2011, listing his address at Bankstown and then Glebe in Sydney.

One week after the decorated public official concluded an Australian trip in 2016, the account received a flurry of suspicious cash deposits.

Unknown depositors visited branches and ATMs around the country, from Biloela in country Queensland to Devonport in northern Tasmania to Lakemba in Sydney’s west and Melbourne’s CBD.

The account balance grew by nearly $290,000 in a month, mostly in structured deposits below $10,000, the threshold above which law enforcement agencies receive mandatory notifications.

Mr Najmuddin has not tried to wrest the money back from authorities, saying court action was too expensive, but has denied any wrongdoing.

The freezing and forfeiture applications to the NSW Supreme Court, based solely on the structured deposits, did not explore whether he was involved in the indictable offences.

“I’ve given my explanation,” he told Fairfax Media. “My department wrote a letter to the AFP.”

Mr Wan Ahmad Najmuddin, 59, has said he arranged for a close friend in Malaysia to transfer the money to pay for his daughter’s master’s degree.

Malaysian police cleared their officer in an internal inquiry after being alerted by the AFP.

An spokeswoman for the AFP said it would not be appropriate to comment on the matter.

But responding to questions about proceeds of crime forfeitures, the spokeswoman said the AFP considered whether account holders “should have had a reasonable suspicion that some criminality existed”.

While a full account of Mr Wan Ahmad Najmuddin’s case has not been detailed, more and more criminal groups are exploiting international transactions outside the traditional banking system.

By hijacking legitimate transfers, syndicates replace clean money with dirty to both pay for crimes and wash profits.

The AFP is grappling with legal uncertainty in about 10 such cases, with tens of millions of dollars at stake as appeals courts decide on access to criminal proceeds.

In one case, lawyers for the agency warned the NSW Supreme Court it would be allowing a “loophole” for a “known money laundering methodology” if it refused the forfeiture request.

Criminals 'walk free'

But a former AFP lawyer has criticised the force for going after the unwitting recipients of criminal proceeds, while the criminals themselves "walk free".

As director of the criminal investigation department, Mr Wan Ahmad Najmuddin holds the rank of commissioner, bears the highest state title, Dato’ Sri, and tackles everything from illegal gambling and murder to insults against the Prime Minister, Najib Razak.

At the time of the suspicious deposits into his account, he was head of police in Johor state, and a frequent traveller to Australia.

Since 2001, he has visited nine times, always on a tourist visa, often for less than a week and, sometimes, with lots of cash. Across three trips in 2011 and 2012 he declared $112,000 to Australian customs.

It was on one of the 2011 trips that he opened an account in his own name at the Commonwealth Bank’s Haymarket branch in Sydney's CBD.

And in December the next year, one day after he arrived in Australia, $30,000 landed in the account (from deposits at Merrylands, Ryde, Strathfield and Burwood) while $8000 was withdrawn at Haymarket.

The cash he brought into Australia and the bank account were for Mr Wan Ahmad Najmuddin’s son’s aviation studies, according to the assistant director of the Royal Malaysian Police integrity department, Allaudeen Abdul Majid.

A flurry of activity

For several years, the account lay dormant.

Then, six days after Mr Wan Ahmad Najmuddin’s final trip in September 2016, cash deposits from five different states began pouring in.

Analysing the constellation of transactions - 54 of which fell below the reporting threshold - the Commonwealth Bank and the financial crime tracker AUSTRAC became alarmed.

“There does not appear to be any apparent lawful reason for the form and manner of the deposits,” an AFP officer from the Criminal Assets Confiscation Taskforce wrote in an affidavit.

When the bank first told Mr Wan Ahmad Najmuddin it planned to close the account, a reply came from a hotmail email address asking for the balance to be sent as a cheque.

Mr Allaudeen Abdul Majid of the integrity unit said Malaysian police had fully investigated the matter, finding the funds were lawfully obtained from the sale of a house.

Investigators found the police chief had wanted to send money to his daughter, entrusting the transfer to his close friend, Seenisirajudeen Mohamad Basith, an Indian national who has since returned to India.

'The whole episode was an oversight'

“Unknown to Dato’ Sri Wan Ahmad Najmuddin Bin Mohd, the money was transferred without compliance to Australian laws,” the integrity officer wrote.

“The whole episode was an oversight. No malice was intended to break any laws including Australia’s.”

The AFP would not comment on the Malaysian investigation report sent last March, the week before it won a forfeiture order.

The matter does not appear to have strained relations between the two police forces, which work together to fight international crime.

Six months after the funds were seized, AFP liaison officers in Kuala Lumpur posed for photographs with Mr Wan Ahmad Najmuddin on his appointment to the role of criminal investigations director.

It is not known how his close Indian friend was said to have arranged for the hundreds of thousands of dollars to reach Australia.

Hawala, 'flying money' and 'cuckoo smurfing'

But criminal groups have long targeted alternative banking systems - known as hawala in Arabic or by the Chinese term for “flying money” - in ways that thwart tracking of criminal profits.

In these transactions, remitters in different countries trust each other (they might be related, or in other businesses together) and rather than wiring money back and forth for clients, they simply keep a ledger.

When an overseas remitter needs $100,000 deposited in Australia, his Australian partner arranges the payment from his own pool of funds, and vice versa.

It is often entirely legitimate. But it is also solves a problem for criminals who want to transfer money without specific sums being tracked.

When a Sydney crime gang needs to pay affiliates in south-east Asia for a drug shipment, it can liaise with corrupted money remitters.

A south-east Asian remitter accepts clean money from an honest local client, who wants it sent to Sydney, and gives it to the south-east Asian criminals instead.

In Sydney, the honest client’s recipient still gets paid. But the money comes from the Sydney gang’s dirty cash, split into a series of smaller, less conspicuous bank deposits arranged by the second remitter.

The technique is called “cuckoo smurfing”, from the cuckoo bird who tricks others to warm her eggs and the slang for splitting deposits.

“Cuckoo smurfing is the way of the future as more people learn about it,” said Todd Harland, a money laundering consultant and former AUSTRAC manager.

“It keeps the money trail invisible.”

In Australia, money remitters must be registered with AUSTRAC but the intelligence agency said alternative banking has been used to perpetrate tax fraud, drug trafficking, tobacco smuggling and people smuggling.

And according to the NSW Crime Commission, the sector is growing in popularity among sophisticated crime groups.

“In some investigations, we have observed the movement of hundreds of millions of dollars that has never hit the formal banking system,” an analyst said.

“Criminal groups needing to move large amounts of cash out of Australia have tapped into cultural and community systems ... resulting in innocent customers receiving cash they were expecting without any knowledge of its criminal origins.”

An AFP spokeswoman said any requests to freeze or obtain proceeds of crime were “tested through a thorough court process” in which interested parties could explain themselves.

“The AFP does consider the culpability of account holders” and has discontinued some cuckoo smurfing proceedings, she said.

'It punishes the wrong people'

But barrister Edward Greaves, a former deputy counsel for the AFP, has described the police approach as harsh and against the spirit of proceeds of crime laws.

“It punishes the wrong people while the criminals walk free with their money,” Mr Greaves wrote on his website.

Last year, he successfully fought an application by his old employer to seize $3 million, money sent by a Malaysian couple to Perth that was substituted with criminal funds.

Mr Greaves argued the AFP was displaying an Anglo-Saxon bias, not wanting to look “beyond the white cliffs of Dover” to appreciate how popular alternative banking was in other countries.

The AFP has appealed the decision and two others in NSW.

It lost its bid to seize $500,000 in the account of international student Rommy Fernandez, the son of a wealthy Indonesian businessman whose money was replaced by now-convicted criminals.

Lawyers for the AFP had submitted “if the court refuses the forfeiture orders in the circumstances of [the defendant’s] case, it is allowing a ‘loop hole’ to remain open within the Australian financial system that would permit a known money laundering methodology".

They went on: “It is not in the public interest to condone the use of money remitters who seek to operate outside the rules of the Australian financial system.”

Justice Carolyn Simpson found Mr Fernandez’s account was at most an instrument of an offence, not the proceeds of crime, which gave her legal discretion to decide if forfeiting the funds was in the public interest.

She noted the need to short circuit the protection of criminal profits.

But “forfeiture of the property of an innocent victim does not achieve that,” Justice Simpson wrote.

“[It] does not in any way operate as deterrent to those who use the property of innocent victims to achieve their criminal ends.”

bit

Report: Australia seizes nearly RM1m from CID chief’s bank account

Australian authorities have reportedly frozen a Sydney bank account belonging to Bukit Aman Criminal Investigation Department director Wan Ahmad Najmuddin Mohd, which contains more than A$320,000 (RM971,800).

According to the Sydney Morning Herald, the Australian Federal Police (AFP) alleged that the money channelled into Wan Ahmad’s account contained laundered money or proceeds of crime.

AFP filed a freezing and forfeiture application with the New South Wales Supreme Court, which granted the forfeiture order last year.

Wan Ahmad's "Goal Saver" account in Commonwealth Bank, which he opened using his own name in 2011, reportedly began to receive cash one week after his trip to Australia in September 2016.

Unknown depositors visited several banks across five states in Australia and allegedly deposited the money into his account.

The account balance increased by almost A$290,000 (RM880,700) in a month, mostly in structured deposits below A$10,000 (RM30,368), the threshold above which Australian law enforcement agencies receive mandatory notifications.

Commonwealth Bank and Australian financial crime tracker AUSTRAC had grown concerned after analysing the series of transactions,  54 of which allegedly fell under the reporting threshold.

Court action 'too expensive'

Wan Ahmad has made no attempt to claim the money, saying court action would be too expensive.

However, he denied any wrongdoing.

AFP's forfeiture effort was based solely on the structured deposits. Its court application did not explore whether Wan Ahmad was involved in the indictable offences.

When contacted by Fairfax Media, the 59-year-old cop said, "I’ve given my explanation. My department wrote a letter to the AFP."

Wan Ahmad reportedly said he had arranged for a close friend in Malaysia to transfer the money to pay for his daughter's Master's degree.

According to Free Malaysia Today (FMT), Wan Ahmad refused to comment when contacted and said that the matter had to be referred to inspector-general of police (IGP) Mohamad Fuzi Harun.

“The IGP knows about the case,” he said. He reportedly added that the Bukit Aman Integrity and Standards Compliance Department had already conducted its own investigations.

Meanwhile, deputy IGP Noor Rashid Ibrahim was reported by FMT as saying that the Australian news report was based on “an old story”.

“This is an old story and I understand we already conducted internal investigations,” Noor Rashid said. He noted that no wrongdoing was found and that the probe had taken place two years ago.

Malaysiakini is unable to independently verify the SMH report. It has attempted to contact Wan Ahmad and Fuzi for their comments.

‘For son’s aviation studies’

Wan Ahmad had visited Australia nine times since 2001. Across three trips in 2011 and 2012, he declared A$112,000 to Australian Customs authorities.

It was on one of the 2011 trips that he reportedly opened an account in his own name at Commonwealth Bank’s Haymarket branch in Sydney.

In December 2012, one day after he arrived in Australia, A$30,000 (RM91,106) was deposited into the account from various suburbs across Sydney, including Merrylands, Ryde, Strathfield and Burwood, while A$8,000 (RM24,294) was withdrawn at Haymarket.
The report quoted Bukit Aman Integrity Department assistant director Allaudeen Abdul Majid as saying that the cash brought into Australia and the bank account was to pay for Wan Ahmad's son’s aviation studies.

The account subsequently lay dormant until the sudden spike in deposits following Wan Ahmad’s 2016 visit to Australia.

According to Allaudeen, Malaysian police have fully investigated the matter and found that the funds were lawfully obtained from the sale of a house.

“Unknown to Wan Ahmad, the money was transferred without compliance to Australian laws.The whole episode was an oversight. No malice was intended to break any laws, including Australia’s," Allaudeen wrote.

Jual rumah katanya tp bila dan dibeku tak mintak balik, siap masuk akaun dr seluruh Australia...byk rumah ke dlm Australia? ..ehehehe

bit

Pihak berkuasa Australia dilaporkan membekukan akaun bank milik Pengarah Jabatan Siasatan Jenayah (JSJ) Bukit Aman Datuk Seri Wan Ahmad Najmuddin Mohd di sana, yang mempunyai wang berjumlah lebih A$320,000 (RM971,800).

Menurut akhbar Sydney Morning Herald, Polis Persekutuan Australia (AFP) mendakwa wang yang disalurkan ke dalam akaun tersebut disyaki wang yang dicuci atau hasil daripada kegiatan jenayah.

AFP memfailkan permohonan untuk beku dan rampas dengan Mahkamah Agung New South Wales, yang memberikan arahan merampas tahun lalu.

Akaun "Goal Saver" Najmuddin di Bank Commonwealth yang dibuka menggunakan namanya pada 2011 mula menerima wang seminggu selepas beliau ke Australia pada September 2016.

Pendeposit yang tidak dikenali pergi ke beberapa bank di lima negeri di Australia untuk memasukkan wang tersebut ke dalam akaunnya.

Menurut laporan itu, jumlah dalam akaun itu meningkat hampir A$290,000 (RM880,700) dalam masa sebulan, kebanyakannya melalui deposit berkala tidak melebihi A$10,000 (RM30,368).

Jika deposit melebihi kadar itu, agensi penguatkuasaan undang-undang Australia akan menerima pemberitahuan mandatori.

Najmuddin tidak menuntut kembali wang tersebut atas sebab tindakan mahkamah akan memakan kos terlalu tinggi.

Beliau bagaimanapun menafikan sebarang salah laku.

AFP membuat rampasan disebabkan deposit secara berkala. Permohonan mahkamahnya tidak menyatakan sama ada Najmuddin terlibat dalam apa-apa kesalahan.

Ketika dihubungi Fairfax Media, Najmuddin berkata, "Saya sudah berikan penjelasan. Jabatan saya menulis surat kepad AFP".

Beliau berkata telah meminta kawan rapat di Malaysia untuk memasukkan wang tersebut bagi membiayai pengajian sarjana anak perempuannya.

Laporan itu juga memetik jurucakap AFP sebagai berkata, polis Malaysia telah menjalankan siasatan dalaman selepas mendapat makluman AFP dan membersihkan Wan Ahmad daripada sebarang kesalahan.

'Untuk pengajian penerbangan'

Sejak 2001, Najmuddin telah melawat Australia sebanyak sembilan kali. Dalam tiga lawatan antara 2011 dan 2012, beliau mengisytiharkan A$112,000 kepada kastam negara itu.

Pada Disember 2012, sehari selepas tiba di Australia, sejumlah A$30,000 (RM91,106) dimasukkan ke akaun tersebut melalui beberapa cawangan bank di Sydney, dan A$8,000 (RM24,294) dikeluarkan di cawangan Haymarket.

Laporan itu juga memetik Ketua Penolong Pengarah Jabatan Integriti dan Pematuhan Standard Bukit Aman Allaudeen Abdul Majid sebagai berkata wang tunai dibawa ke Australia dan akaun bank tersebut bagi membayar pengajian penerbangan anak lelaki Najmuddin.

Akaun itu kemudian menjadi tidak aktif sehinggalah peningkatan deposit secara mendadak berikutan lawatan Najmuddin pada 2016.

Allaudeen dipetik berkata polis Malaysia telah menjalankan siasatan penuh dan mendapati wang itu diperolehi melalui penjualan rumah.

"Tanpa pengetahuannya, wang tersebut dimasukkan tanpa mematuhi undang-undang Australia. Ia berlaku atas kesilapan dan tanpa niat jahat untuk melanggar mana-mana undang-undang termasuk di Australia," katanya.

Cerita lama

Najmuddin yang dihubungi FMT enggan mengulas perkara itu dan berkata PDRM telah melakukan siasatan.
Timbalan Ketua Polis Negara Tan Sri Noor Rashid Ibrahim pula menyifatkannya sebagai "cerita lama".

“Ini ialah cerita lama dan saya difahamkan kami sudah menjalankan siasatan dalaman. Tiada salah laku ditemui. Ia disiasat dua tahun lalu," katanya seperti dipetik FMT.

Malaysiakini tidak dapat mengesahkan laporan SMH secara bebas. Kami telah cuba menghubungi Wan Ahmad dan Fuzi untuk mendapatkan ulasan mereka.


Read more at https://www.malaysiakini.com/news/414134#WecisblLYLqmlCAM.99

batmana

polis tk tau undang2 negara sana?

kalau yg tak tau tu makcik cleaner, tukang sapu, pam attendant tu aku caya la jugak

dcruins

memang ada ciri2 money laundering dah, lebih dari threshold dah tuuuu,automatik authority akan dibagi amaran tentang transaction yg dah lebih2 ni, dalam sebulan naik piii 290k, tiap2 hari ada yg pi bank in bawah 10k dari beberapa lokasi, mungkin betul2 bawah max yg ditetap kan oleh bank2 mereka setiap hari,manipulasi  loopholes undang2 banking Australia kot....

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quote,

The account balance grew by nearly $290,000 in a month, mostly in structured deposits below $10,000, the threshold above which law enforcement agencies receive mandatory notifications.

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sharlenetexas

ni berapa lapis kuih lapis? apa tindakan? kena pecat tak?
dulu2 pun khoo chin wah naik mahkamah kes pasal duit jugak. tak tau the end mcm mana. nak wat mcmana,  geng polis tak menjadi. bad cop. ipan mana? tak bagi sepatah dua kata? @ifanonline

sharlenetexas

takkanlah mcm kes chikki masuk duit juta2 dlm akaun terus gi shopping luxury brand. wang besar! wang besar!

Skuau

batmana replied at 2-3-2018 08:05 PM
polis tk tau undang2 negara sana?

kalau yg tak tau tu makcik cleaner, tukang sapu, pam attendant  ...

tak kot...sb negara berbeza undang2nya.............agaknyalah......

karlmax8

Kena baca betul2,australia cakap mmg ada kes cuckoo smurfing,si wan ni transfer sedebuk 900k kat anak dia through local remitter. Remitter ni pakat dgn gangster sini then pakat dgn remitter and gengster sana. Money was never transfered at the first place,duit yg masuk akaun dia kat sana dtg dari duit aussie gangster,thru aussie remitter. Cara nak cuci duit kotor gang sana la. Nnt ada yg tanya kenapa gang sana nak bagi duit free2? Sbb gang network asia & aussie xpakai duit,dorg guna ledger/buku hutang,takde trail. Boleh paham dak?

karlmax8

Yg kelakar bila baca komen kat fb,"wuiyo lepas ni kena jadi polis baru boleh kaya ada rumah dekat sejuta". Jumud gila,ko miskin pastu ingat semua org miskin, aku keje biasa2 je pon ada 3 rumah total value rm950k umur 30an. So bg aku polis ni miskin,tak makan rasuah sebab baru ada 900k masa umur 59.

bit

Jual rumah harga dekat sejuta.. tp bila polis beku akaun x nak claim pulak sbb lawyer mahal katanya... hehehe

Kaya betul polis ni, duit dekat sejuta tolak gitu je

TuntungReturn

sharlenetexas replied at 2-3-2018 08:48 PM
ni berapa lapis kuih lapis? apa tindakan? kena pecat tak?
dulu2 pun khoo chin wah naik mahkamah kes  ...

ku cin tu kena pasal x mengistiharkan komisyen.. logik ka pegawai polis x simpan duit dlm bank? simpan kt umah knp?

TuntungReturn

jutawan pun anak sendiri buat loan. ni kira ok la guna duit sendiri

lostnfaun

bit replied at 3-3-2018 07:45 AM
Jual rumah harga dekat sejuta.. tp bila polis beku akaun x nak claim pulak sbb lawyer mahal katanya. ...

Mcm tak kisah bio burn gitu jer... Takkan dia tak tau undang2 kt sana..

kalau nak transfer duit byk utk anak belajar rsnya takde mslh ikut saluran yg btl.. lagi plak dia top officer mudah skit connection dgn org2 yg berkaitan..

dcruins

Kalau nak gak buat transaction macam ni, kenapa tak piii pilih negara tax haven jerrr?? bersusah nak suruh kawan bank in tiap2 hari sampai jumlah nyerrr cukup, banyak sangat kerja tuuu..... piii laaa tax haven terdekat macam New Zealand ke. Pi bukak kat Australia yg ketat gilerrrr peraturan banking dia nak cari nahas ke??  

R2D2

Pengarah JSJ sedikit naif - TPM

KUCHING: Pengarah Jabatan Siasatan Jenayah (CID) Bukit Aman, Datuk Seri Wan Ahmad Najmuddin Mohd, sedikit naif berkenaan undang-undang mendapatkan kebenaran khusus dari kerajaan Australia ketika menghantar wang pembiayaan pengajian dua anaknya ke negara itu.

Timbalan Perdana Menteri, Datuk Seri Dr Ahmad Zahid Hamidi, berkata wang melebihi AUD$10,000 ke atas yang dihantar ke negara berkenaan perlu mendapat kebenaran khusus berdasarkan peraturan negara itu

Beliau berkata demikian ketika menghadiri Mesyuarat Pengurusan Polis Diraja Malaysia Negeri Sarawak di Ibu Pejabat Kontinjen Sarawak, Jalan Badruddin, di sini, hari ini.

thanawat

Hahahaha .. Belajarlah agar lebih cerdik dan pintar dari Najib dan Jho Low ...

R2D2

Pengarah JSJ bukan ‘orang hulu’, Ramkarpal beritahu Zahid


PETALING JAYA: Ahli Parlimen Bukit Gelugor, Ramkarpal Singh terkejut dengan kenyataan Timbalan Perdana Menteri, Datuk Seri Ahmad Zahid Hamidi yang Pengarah Jabatan Siasatan Jenayah (JSJ) Bukit Aman, Datuk Seri Wan Ahmad Najmuddin Mohd sedikit “naif” mengenai undang-undang Australia.

Beliau berkata, Najmuddin adalah pegawai kanan polis dan bukannya “orang hulu”, oleh itu beliau sepatutnya tahu prosedur dan amalan kewangan asas di Australia.

“Apakah mesej Zahid kepada dunia di sini? Adakah beliau kata salah seorang pegawai polis paling kanannya tidak tahu undang-undang dan itu bukan satu masalah?

“Tambahan, jika penjelasan Najmuddin boleh membebaskannya daripada liabiliti, mengapa pihak berkuasa Australia masih menyiasat perkara itu?” soal Ramkarpal dalam satu kenyataan.

Hari ini, Zahid dilaporkan berkata, Najmuddin mungkin sedikit “naif” tentang undang-undang Australia berkaitan pembiayaan pendidikan anaknya.

“Isu berkenaan pembiayaan wang itu timbul pada 2016 lagi dan Wan Ahmad sudah memberi penjelasan kepada saya berkaitan perkara itu dan saya menerima penjelasan terbabit dengan yakin bahawa beliau adalah jujur,” kata Zahid dipetik Berita Harian.

“Cuma, beliau mungkin naif membabitkan undang-undang berkaitan penghantaran wang pembiayaan itu kerana walaupun wang itu diperoleh hasil jualan rumah, ia melebihi jumlah dibenarkan kerajaan Australia, iaitu hadnya adalah A$10,000.”

Jumaat lalu, akhbar Sydney Morning Herald melaporkan polis Australia membekukan akaun bank milik Najmuddin, dengan simpanan sebanyak A$320,000 (RM970,000).

Polis Australia mengesyaki “kemasukan wang tunai mencurigakan” dalam akaun Bank Commonwealth milik Najmuddin, yang sudah lama tidak aktif selepas dibuka pada 2011.

Pendeposit tidak diketahui mengunjungi cawangan dan mesin juruwang automatik (ATM) di seluruh Australia, termasuk Queensland, Tasmania, Sydney dan Melbourne.

Ramkarpal berkata, tidak mungkin pihak berkuasa Australia menghentikan siasatan mereka hanya kerana Zahid berpuas hati dengan penjelasan Najmuddin atau namanya dibersihkan Bukit Aman melalui siasatan dalaman.

Katanya, Suruhanjaya Pencegahan Rasuah Malaysia (SPRM) sepatutnya menyiasat Najmuddin dan kegagalan berbuat demikian dianggap kecuaian menjalankan tugas.

kecimpret

org gila jer tak nak claim duit sendiri beratus ribu...nampak sangattttttttttt

arman98

lostnfaun replied at 3-3-2018 10:20 AM
Mcm tak kisah bio burn gitu jer... Takkan dia tak tau undang2 kt sana..

kalau nak transfer duit ...

easy money...