Hello and welcome back to Franklin Covey's on leadership series, I serve as your weekly

host and moderator and we're now almost into our 150th episode after three years of

podcast and we've had a variety of guests that have joined us from around the world, typically

best-selling authors, thought leaders, some celebrities and other individuals that have a

articulated point of view on leadership development, organizational culture, productivity, marketing,

executing business strategy. And most of our guests hail from the Western Hemisphere on

occasion we've had a guest from outside of the US as we are now the world's largest weekly

leadership podcast. We are sincerely trying to make our guest represent and reflect the broad

nature of Franklin Covey's imprint around the world. And today I'd like to first thank our

esteemed and trustworthy colleagues and partners in Franklin Covey's Pakistan office who was able

to inspire us with the story of our guest today and make this valuable connection. So first to

our colleagues and partners in our Pakistan office, thank you for lending us your credibility and

connecting us with today's guest, Zafar Masoud, who serves as the CEO of the Bank of Punjab

and Pakistan based in Lahore. And although he serves as the CEO of this bank, there is more to his

story that you will learn here in just a moment. So invite me now to welcome Zafar Masoud

to on leadership. How are you sir? Great to see you and welcome. It's wonderful, wonderful to see you

Scott. Zafar, so delighted you're here. We're taping this early morning in Salt Lake City Utah

in the States. You are joining us from Lahore and Pakistan just about 12 plus hours ahead of us

and we are honored that a person of your stature is able to join us today and invest the time

in the millions of people who are both watching and listening to this interview.

Pleasure is all mine. It's an honor for me. Thank you for inviting me.

Well, thank you sir. Today we're going to talk about two topics. We're going to talk about

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