Photograph of Risk - Motor and Marine Insurance

Photograph by Shujaath Ahmed Khan.

Road Risk - An example of Motor and Marine Insurance in one shot

SOME OF THE LOTTERIES AND OFFERS – IS THIS FRAUD OR PHISHING OR SOMETHING ELSE

Lotteries and Offers - Fraud, Phising or something else.

Photograph by Shujaath Ahmed Khan.

MICROSOFT LOTTERY HEADQUARTERS:
P O Box 1010 Liverpool,
L70 1NL UNITED KINGDOM

CONGRATULATION!!

Dear Lucky Winner,

The Microsoft and AOL Group has set out and successfully organized a Sweepstakes marking the New Year anniversary. We rolled out over 10,000.000.00 (Ten Million Great Britain Pounds) for our new year Anniversary Draws. Participants for the draws were randomly selected and drawn from a wide range of web hosts which we enjoy their BETA patronage attaching personalized email addresses to ticket numbers.

Your email address as indicated was drawn and attached to Ticket number 0098876 with Serial numbers MSL099876 and drew the Lucky numbers 9-21-17-39-23-13(20) ,which subsequently won you £1,000,000.00 (One Million Great Britain Pounds) as one of the 10 jackpot winners in this draw.

To file for your claim kindly Contact your fiduciary agent with the email address below:

Also call for verification on this number: Tel +447017036785

Mr. Terry Smith
Dispatch Officer.
Tel +447017036785
Email: micro-network-int@hotmail.co.uk

Fill This Form Below:

(1) Name:
(2) Address:
(3) State:
(4) Country:
(5) Marital Status:
(6) Occupation:
(7) Age:
(8) Personal and Direct Phone Number:
(9) Email:

Sincerely,

Mr. Paul Allen


Head Customer care Service
MICROSOFT LOTTERY
HEAD QUARTERS.
02/03/2011




Your Email Id has won 1,000,000.00 GBP in the British MICROSOFT Promo 2010. send your

Names.
Address.
Sex.
Age.
Tel.
Occupation.

to our claims department: centerdept6@yahoo.com
02/03/2011

We are please to bring to your notice of the just concluded UK Awards 2011.Your
email has won the total amount of 800,000GBP.Please provide:

Ful Names.........
Address.....
Age.......
Sex........
Occupation.......
Nationality......
Phone........

Thanks on behalf of the British Financial Department.

03/03/2011

Dear Western Union Customer,

You have been awarded with the sum of $100,000 USD
by our office, as one of our customers who use Western
Union in their daily business transaction.
This award has been selected through the internet, where
your e-mail address was indicated and notified. Please
provide Mr. Steven Page with the following details
listed below so that your fund will be remited to you
through Western Union.

1. Name:______
2. Address________
3. Country:_______
4. Phone Number____
5. Occupation:________
6. Sex:_________________
7. Age___________________

Mr. Steven Page
Tel: +234 708 525 5362
E-mail: wuafrica@hotmail.com

As soon as these details are received and verified,
your fund will be transferred to you. Thank you, for
using western union.

04/03/2011

Attention Beneficiary,

This is to inform you that you have won a prize money $1,800,000.00 One million eight hundred thousand United States dollars for the month of March 2011 Lottery promotion which is organized by YAHOO/MSN LOTTERY INC,WINDOWS LIVE & MICROSOFT WINDOWS, collects all the email addresses of the people that are active online, among the million that subscribed to INTERNET we only select five people every Month as our winners through electronic balloting System without the winner applying, we congratulate you for being one of the people selected. How ever you will have to fill and submit this form to the events manager for verification & direction on how you can claim your winning fund.

1. Full Names:
2. Address:
3. Phone Number:
4. Sex:
5. Age:
6. Occupation:
8. Country of Residence:

Microsoft China Co., Ltd
1st Floor, Microsoft Tower, LSH Plaza
8 Wangjing Street, Chaoyang
Beijing 100102, P.R. China
Contact Person: Mr. Sung Lee
Contact Cell: +8613712678070
Contact Email: myclaimsdept@live.com

Thank you and accept my hearty congratulations once again!

Yours faithfully
Municipio De Envi.

© 2011 Microsoft Corporation. All rights reserved.
03/03/2011

For your kind attention,

Could you please consider helping me to relocate thissum of $15.5m Us Dollars to your country for establishing a medium sizeindustry in your country.

The said $15.5m Us Dollars was deposited in our bankby Mrs Joyce Lake an America citizen who died in a plane crash in 2000.We havetried to contact her immediate his family to come forward for claims but couldnot succeed. We discovered that the late American died along side with herhusband and children who are supposed to be her next of kin, I will give youall vital information concerning the American and $15.5m Us Dollars in ourcustody so that you will contact my bank for them to release the money to you.

You can come here in person Or you can request thebank to give you the contact of the bank who can represent your interest in thetransfer process. I am one of the bank directors, I will play a role to makesure that the $15.5m Us Dollars is released to you. As soon as I receive yourreply, I will give you an instruction on what you should do. Reply me back andLet me know your full name, age, address, occupation and your telephone numbersif available.

Trusting to hear from you immediately and Waiting foryour prompt reply.

Thanks and Best regards,
Mr.Omar Musa.
04/03/2011

From the Desk OF:
MR.JOHN ANDERSON
International Settlement Dept.
Central Bank of Nigeria
Immediate ATM Cash Card Payment Notification
EMAIL: john2anderson4@gmail.com

FUND BENEFICIARY ATM CARD CENTER CODE 555,
THIS IS TO OFFICIALLY INFORM YOU THAT WE HAVE VERIFIED YOUR CONTRACT/INHERITANCE FILE AND FOUND OUT THAT WHY YOU HAVE NOT RECEIVED YOUR PAYMENT IS BECAUSE YOU HAVE NOT FULFILLED THE OBLIGATIONS GIVEN TO YOU IN RESPECT OF YOUR CONTRACT / INHERITANCE PAYMENT. SECONDLY WE HAVE BEEN INFORMED THAT YOU ARE STILL DEALING WITH THE NONE OFFICIALS IN THE BANK, ALL IN YOUR ATTEMPT TO SECURE THE RELEASE OF THE FUND TO YOU. WE WISH TO ADVISE YOU THAT SUCH AN ILLEGAL ACT LIKE THIS HAVE TO STOP IF YOU WISHES TO RECEIVE YOUR PAYMENT SINCE WE HAVE DECIDED TO BRING A SOLUTION TO YOUR PROBLEM. RIGHT NOW WE HAVE ARRANGED YOUR PAYMENT THROUGH OUR SWIFT CARD PAYMENT CENTER ASIA PACIFIC, THAT IS THE LATEST INSTRUCTION FROM MR.PRESIDENT,GOODLUCK JONATHAN (GCFR) FEDERAL REPUBLIC OF NIGERIA. THIS CARD CENTER WILL SEND YOU AN ATM CARD WHICH YOU WILL USE TO WITHDRAW YOUR MONEY IN ANY ATM MACHINE IN ANY PART OF THE WORLD, BUT THE MAXIMUM IS FIVE THOUSAND, FIVE THOUSAND UNITED STATES DOLLARS PER D A Y. SO IF YOU LIKE TO RECEIVE YOUR FUND IN THIS WAY, PLEASE LET US KNOW BY CONTACTING THE ATM PAYMENT DEPARTMENT DIRECTOR AND ALSO SEND THE FOLLOWING INFORMATION AS LISTED BELOW.


1. FULL NAME
2. FULL ADDRESS (P.O BOX NOT ACCEPTABLE)
3. PHONE AND CELL PHONE NUMBER
4. YOUR AGE, SEX AND CURRENT OCCUPATION


HOWEVER, KINDLY FIND BELOW THE CONTACT PERSON THROUGH HIS OFFICIAL PRIVATE MAIL BOX:

MR.JOHN ANDERSON
INTEGRATED PAYMENT DEPARTMENT
EMAIL: john2anderson4@gmail.com

THE ATM AND MASTER CARD PAYMENT CENTER HAS BEEN MANDATED TO ISSUE OUT $2,500,000.00 AS PART PAYMENT FOR THIS QUARTER. ALSO FOR YOUR INFORMATION, YOU HAVE TO STOP ANY FURTHER COMMUNICATION WITH ANY OTHER PERSON(S) OR OFFICE(s) TO AVOID ANY HITCHES IN RECEIVING YOUR PAYMENT. NOTE THAT BECAUSE OF IMPOSTORS, WE HERE BY ISSUE YOU OUR CODE OF CONDUCT, WHICH IS (ATM-555) SO YOU HAVE TO INDICATE THIS CODE WHEN CONTACTING THE CARD CENTER BY USING IT AS YOUR SUBJECT. THIS IS A SPECIAL PACKAGE AND NOT EVERYBODY KNOW ABOUT IT AND I WILL FLY STRAIGHT WITH YOU AND THIS TRANSACTION IS NOT TAKING ANY OF OUR TIME.

REGARDS,
DR OLUSEGUN AGANGA
MINISTER OF FINANCE TO THE PRESIDENT
FEDERAL REPUBLIC OF NIGERIA.

NOTE/ IN CASE YOU NEED PROOF I CAN GIVE YOU NUMBERS TO CALL PEOPLE THAT HAS RECEIVED THERE CARDS THROUGH ME OVER THEIR IN THE UNITED STATES OF AMERICA.
04/03/2011


Dear Winner,

We are pleased to inform you that you have won prize money of £750,000.00 GBP
only in the ongoing SHELL Promoted 2011 ICC Cricket Online World Cup Award
held in London, England.
We collect all the email addresses of the people that are active online, among
the millions that subscribed to Google, Yahoo, Hotmail and various Microsoft
window versions and other internet search engines all around the world.

We only select 12 people every year as our winners, through electronic
balloting System without the winner directly applying.
Below is the details of your winning which must be quoted in every mail you
send to us for security reasons and to avoid impersonation;

Batch number.....................YW/08872/PY
Ref number.......................WL/7662/5AQ
Winning Ticket number...................WZ554/30

However, you will be required to fill your details in the below form and
submit this to the events manager so that he can immediately schedule the
release of your winning prize four days from the day of receipt of your response.

NB, as soon as you receive this mail, you should be checking your email
everyday for updates because if we do not hear from you for three working
days, we will assume you are not qualified for the prize.

1. Full name :
2. Contact Address :
3. Age :
4. Telephone Number :
5. Marital Status:
6. Sex :
7. Occupation :
8. Monthly income :
9. State :
10.Nationality :
11.Email Id :

NB: BE SURE TO SEND YOUR REPLY TO MR TO MR TOM WOODS ON HIS EMAIL ID SO THAT
YOUR WINNING CAN BE PROCESSED AS WE WILL NOT ATTEND TO ANY MAIL THAT IS
ADDRESSED AND DIRECTED TO HIS EMAIL spdcmobdrawclaims09@live.com;

Mr. T. Woods
(Claims Manager)
Tel: +44 87 1237 4767
06/03/2011


THE ADIDAS SEASONAL PROMOTION PRIZE AWARDS WINNING NOTIFICATION.



WINNERS ONLY
A/ 94 AVENUE OPP CHURCH ROAD
LONDON; WORLD WIDE UK.
REF: ADASC/9499OK6/393/ADCP
BATCH: 7/20/0055


Dear Lucky Winner,


We are pleased to inform you of the result of the just concluded annual final draws of Adidas Annual Promo.

The online Adidas united kingdom Annual Promo draws was conducted by a random selection of email addresses from an exclusive list of 26,033 E-mail addresses of individuals and corporate bodies picked by an advanced automated random computer search from the internet. However, no tickets were sold but all email addresses were assigned to different ticket numbers for representation and privacy.

After this automated computer ballot, your e-mail address emerged as one of twelve winners in the fourth category for the second prize with the following data:

Ref Number: ADASC/9499OK6/393/ADCP
Batch Number: 7/20/0055
Ticket Number: 025-110003847-110

You as well as the other winners are therefore to receive a cash prize of 690,000.00 GBP (SIX HUNDRED AND NINETY THOUSAND GREAT BRITAIN POUNDS STERLINGS ONLY) each from the total payout. Your prize award has been insured with your e-mail address and will be transferred to you upon meeting the requirements, statutory obligations, verifications, validations and satisfactory report.
To begin the claims processing of your prize winnings you are advised to contact our licensed and accredited claims bank
for SECOND category winners with the information below: You are also advised to give the following information’s to the claim's bank via email

1. Full name and address:
2. Country:
3. Tel and fax number:
4. Occupation:
5. Your Reference and Batch number at the top of this mail:
Ref Number: ADASC/9499OK6/393/ADCP
Batch Number: 7/20/0055
Ticket Number: 025-110003847 -110
6. Age:
7. Amount won:
8 Sex:
9 your wining email address:
MR. FESAMA JIM
Transfer Director Manager HSBC international banking UK
Email: mr.fesama_jim@live.com
Phone: +44- 7014237967

NOTE: All winnings must be claimed within 10days from today. After this date all unclaimed funds would be included in the next stake.
Remember to quote your reference information in all correspondence with your claims bank.
You are to keep all lotto information away from the general public especially your reference and ticket numbers. (This is important as a
case of double claims will not be entertained).

Members of the affiliate agencies are automatically not allowed to participate in this program. Promo Customers Service: +44- 7014237967

Time: 10.00am to 2 .00pm G.M.T

Thank you and congratulations!!!
Yours faithfully,
Maxwell Bush
Managing Director Adidas.
Copyright © 2011 Adidas.
07/03/2011


Your ticket number: 023-0148-790-459 with Serial number
5368/05 drewthe lucky number: 29 We are pleased to notify you that your
emailaddress emerged as a winner in our Honda Car promotional
lotto sweepstakes and as a result you have been granted the lump sum payout of
One Million Pounds.
Contact your claims officer below for your claims/winnings
MR. MORRISON LUKE
EMAIL:fudiciaryagent120@gmail.com
You are to forward the following details to enable us clear
your file
for immediate payment.
Full name:______________
Address:___________
Age:_______
Sex:_______
tel:_______________
Country:_______________
Occupation___________

27/02/2011

3/5 Commercial Rd,
Durban 4001,South Africa.

Dear Friend,


I got your contact today,with hope you are reliable and trustworthy.

Am the head of the contract award committee and 14 project allocation manager,
of the Department of Minerals and Natural Resources in Durban-Southafrica.

I need your assistance to bank ( USD10.02M) and subsequent investment it on
properties in your country urgently.You will be required to.

(1) Assist in the banking safely of the said funds
(2) Advise on lucrative areas for investment
(3) Assist in purchase of properties.

If you can render your assistance in this regard, 20% of the total investment
sum will be for you,as your commission.
It will be done under a legitimate process so that we will not breach any
international or local laws,governing the same.Making it a 100% risk free.

I wait in anticipation of your reply and co-operation.

Best Regards,
Martin Mandela martinmandela@centrum.cz

10/03/2011

GOOD DAY,

Please kindly accept my apology for sending you this email without your consent. I believe you are a highly respected personality, considering the fact that I sourced your email from the peoples search database on the web during my discrete search for a foreign partner whom can assist me in taking this business to it success.

Though, I do not know to what extent you are familiar with events. I have a proposal for you.This however is not mandatory nor will I in any manner compel you to honor against your will,but I hope you will read on and consider the value I offer. My name is Mr.Richard Tang Yat Sun, I work with the Hang Seng Bank Ltd -Hong Kong.I have a business proposal in the tune of US$24.5m to be transferred to an offshore account with your assistance if willing.

After the successful transfer, we shall share in ratio of 50% for you and 50% for me. Should you be interested, please respond to my letter immediately,so we can commence all arrangements and I will give you more information on the project and how we would handle it. You can contact me on my private email:(r.tangs@nba2k.com.cn) and send me the following information for documentation purpose:

(1)Full name:
(2)private phone number:
(3)current residential address:
(4)Occupation:
(5)Age and Sex:

I look forward to hearing from you.

Kind Regards,
Mr. Richard Tang.
11/03/2011








OUR REF: BC/FWSO/P01/7367/24/08 YOUR REF: SPA/01 DATE: 11/ 03 / 2011





Dear Friend,

Firstly, I must solicit your confidence in this transaction; this is by virtue of its nature as being utterly confidential and top secret. Though I know that a transaction of this magnitude will make any one apprehensive and worried, but I am assuring you that all will be well at the end of the day.

Let me start by first introducing myself properly to you. It may surprise you receiving this letter from me, since there was no previous correspondence between us. My name is Barrister Giorgio Salvatore. Esq. a personal Attorney to Late Mr. Richard Lyman

My purpose of contacting you is for you to help secure the funds left behind by my late client, to avoid it being confiscated or declared unserviceable by the Bank where this fund valued €9,500,000.00(Nine Million, Five Hundred Thousand Euros) deposited by my client before his death.

The Bank has issued me a notice to contact the next of kin or the account will be declared unserviceable and the fund diverted to the Bank treasury, So far all my efforts to get a hold of someone related to my client has proved abortive. Hence, I have contacted you. I am actually asking for your consent to present you to the Bank as the Next of Kin/beneficiary to my late client's fund, so that the proceeds of this account can be paid to your account.

All the legal documentations to back up your claim as my client's Next of Kin shall be provided. All I require is your honest cooperation to enable us achieve this transaction.

I wish to point out that I want 20% of this money to be shared among the Charity Organizations, while the remaining 80% is shared equally between us. This transaction is entirely risk free. I will use my position as the client's attorney to guarantee the successful execution of this transaction. If you are interested, please contact me via E-mail: studiolegale@lawyer.com or abogadossegura1@aol.com, I shall provide you with more details and relevant documents that will help you understand this transaction vividly.

The intended transaction will be executed under a legitimate arrangement that will protect you and me from any breach of law. However, if this business proposal offends your moral ethics, do accept my sincere apology.

If on the contrary you wish to achieve this goal with me, kindly get back to me with your interest for further explanations.

Kindest Regards

Barrister Giorgio Salvatore.











GOODAFTERNOON FROM HONG-KONG.

I work with the hang seng Bank Hong Kong.I have a business proposition for you involving the sum of $24,500,000.00 in my bank which I know we will be of mutual benefit to both of us, If interested mail me at: r.tangsun@nba2k.com.cn

Regards,
Mr. Richard Tang.
14/03/2011



Your Mail ID has won £1,000,000.00 (ONE MILLION POUNDS). in the Uk Award PROMO. Send

Names.
Nationality.
Tel.
14/03/2011



Hello My Dearest,

I know that this mail might come to you as a surprise because you don't know me and I don't know you too. My name is Jarnnot Garang; I am 23 years old girl originated from South Sudan and an orphan. But presently I am residing in the Refugee Camp here in Ouagadougou Burkina Faso as a result of The civil war pitted the Muslim north against Christians and animists in the south, leaving some 1.5 million people dead.

My father Dr. John Garang was the former rebel leader, He died on Sunday, 14 August 2005 following a helicopter crash alongside with 12 top government officials just 22days after he was appointed as the vice president. Some southerners accused the government of having a hand in the crash, and Ugandan President Yoweri Museveni said the cause was not clear.

You can read more about the death of my beloved father
http://news.bbc.co.uk/2/hi/africa/4151122.stm

When my father died, I was living with my step-mother happily until when thing changed and she wanted me to be fooling around, and when she found out that the was a money deposited in my name as the next of kin she asked me to travel with her to Burkina Faso where the money is deposited so that I can withdraw the money since I am the next of kin. Unfortunately I refused because she is treating me so bad and doing all sorts of things to me. When I refused she threatened to kill me, so that she can travel down to Burkina Faso and claim the fund. Then I managed and travelled down to Burkina Faso through road to withdraw the money so that I can start a better life and take care of myself.

On my arrival, the Branch manager of the Bank whom I met in person told me that base on their banking law and my statue as a refugee I have to present a trustee who will stand on my behalf to claim the fund.

I got your contacts through window live, after much consideration I decided to write you since I cannot be able to see you face to face at first; I really want to have a good relationship with you. I need your urgent assistance to claim the money which the amount is (USD 5.4Million) for onward investment Project in your country.

Though you may wondering why I am so soon giving you all these information without seeing you first, well I will say that my instinct still tells me that you could be true to me. It is my intention to compensate you with 30% of the total money for your services while 10 % will be for the motherless baby homes, orphanage and charity organization, less privileged and the balance shall be my capital in my establishment in your country. In the light of the above, I shall appreciate an urgent reply indicating your ability and willingness to handle this transaction sincerely.

More so, I will like to disclose much to you if you can help me to relocate in your country because my Step-Mother has threatened to assassinate me to claim this fund. Also be informed that I have confirmed from the bank in Burkina Faso that the money is still unclaimed. You will also help me to a place were the money will be establish a more profitable business venture in your Country. Moreover, you will also help me by recommending a nice University in your country so that I will complete my studies.

Please do keep this only to your self. I beg you not to disclose it to anybody until the money transferred into your bank account and then I will come over to your country, as I am talking to you now my wicked Step-mother don’t know that I am here in Burkina Faso.

I am waiting for your urgent reply including your information’s,
Thanks Yours Sincerely,
Miss. Jarnnot Garang
15/03/2011


Queen Elizabeth's Foundation
WOODLANDS ROAD,
LEATHERHEAD COURT,
LEATHERHEAD
SURREY,KT22 0BN
UNITED KINGDOM

Registered in London No 892013.
Registered Charity No 251051.

To celebrate the 6th anniversary program, the Queen Elizabeth's Foundation United Kingdom in conjunction with other relevant bodies is giving out a yearly donation of £100,000,000 Pounds (One hundred Million Great Britain Pounds) to 300 lucky recipients.You were selected among the lucky recipients to receive the award sum of £ 400,000.00 pounds ( Four Hundred And Fifty Thousand Pounds) as charity donations/aid from the Queen Elizabeth's Foundation in accordance with the enabling act of Parliament.

For claims please fill the form below . when sending your claims inquiries to the Financial Officer.Please endeavor to quote your Qualification numbers (N-222-6747,E-900-56) in all discussions.
FULL NAMES:________________________
ADDRESS: _________________________
CITY:_________________________
STATE:_____________________ ZIP: _____
COUNTRY________________________________
SEX:_______________
AGE:_________________
MARITAL STATUS:_________________
OCCUPATION:________________________
E-MAIL ADDRESS:_____________________________
TELEPHONE NUMBER:_____________________

===========================================
SEND ALL YOUR CLAIMS AND INQUIRIES TO THE
Executive Secretary - Steven Moore
Email: qef2011@hotmail.co.uk
Phone : +44 702 406 7585

Regards.

Mrs. Hamid Johnson
15/03/2011

THIS PROJECT IS FOR YOU


Dear Friend,

My name is Mr.Mohammed Shabana i am 59 years old man.

I am from saudi arabia but resident in dubai - united arab emirate for the past 25years. i am married with two children. my wife and children died in a car accident two years ago while on holiday in the egypt.

Since i have no children of my own and immediate relatives, i decided to ask for your help in this project. i have been helping orhanps and children in orphanage homes by donating money and other valuable items to them around the world. presently, i am receiving intensive treatment in a private hospital here in BURKINA FASO.

My doctors told me that i have cancer of the lungs and that i have two months to live. before i be came ill, i saved some money (us$5 million dollars) from the sales of my real estates, gulf course and some funds i inherited from my wealthy late parents and this funds have since been deposited in cash consignments volts with a trust finance/security here in Burkina Faso.

Please, i beg you in the name of almighty allah to help me collect these cash consignments (funds) from the trust financial security company by nominating you as my partner and the new beneficiary.

After the collection of the cash consignments (funds),you will now help me to donate these funds to charity/orhanpange homes in the united states,europe, asia and africa. this will make my life a dream come through when i rest with the allah soon. the word of allah says, what it shall profit a man if he gain the whole world and lose his own soul. this is the sweat of my labour and the struggle of my life.

I believe you can be trusted after series of prayers and would offer this service for humanity sake. i authorise you to take 20% of the total sum for you and your family to touch many lives around the world. if you can help me, please mail me so that i will give you the contact details of the trust financial security company and the necessary informations regarding this project.

I need your help as i have no immediate relative i can entrust this project with some private reasons. i know you will be surprise to this proposal as i do not know you physically but despirate problem deserves desperate solutions thus i got your contact from the internet during my search for a reliable person i can entrust this project with and i decided to make contact with you and ask for your help.

I await your positive and urgent response and please reply me on my immediate mail box.

Regard's,

Mr.Mohammed Shabana.
15/03/2011

Hello,

My name is Jacob Josh, I am the branch manager of Banco pichincha Quito Ecuador.
I have packaged a financial transaction that will benefit both of us, which involves three million seven hundred and fifty thousand dollar $3,750.000.00. Mean While you will have 35% of the total fund after the transaction.

If you accept this offer to work with me i will give you details on how we can achieve it successfully. Please contact me with this email address:
joshem@blumail.org

Best Regards
Mr.Jacob Josh
15/03/2011

Dear Friend,

I am Mr. Patrick Chan Executive Director and Chief Financial Officer of
the Hang Seng Bank Ltd. I have a Secured business suggestion for you.

Before the U.S and Iraqi war our client Col. Hosam Hassan who was with the
Iraqi forces and also business man made a numbered fixed deposit for 18
calendar months, with a value of over Fifteen million United State Dollars
only in my branch. Upon maturity several notices was sent to him, even
during the war early this year.

Again after the war another notification was sent and still no response
came from him. We later find out that Col. Hosam Hassan along with his
wife and only daughter had been killed during the war in a bomb blast that
hit their home.

After further investigation it was also discovered that Col. Hosam Hassan
did not declare any next of kin in his official papers including the Paper
work of his bank deposit. And he also confided in me the last time he was
at my office that no one except me knew of his deposit in my Bank. So,
over Fifteen million United State Dollars is still lying in my bank and no
one will ever come forward to claim it. What bothers me most is that
according to the laws of my country at the expiration of 6 years the funds
will revert to the ownership of the Hong Kong Government if nobody applies
to claim the funds.

Against this backdrop, my suggestion to you is that I will like you as a
foreigner to stand as the next of kin to Col. Hosam Hassan so that you
will be able to receive his funds. Once the funds have been transferred to
your nominated bank account we shall share in the ratio of 60% for me,40%
for you, Should you be interested please send me information's below,

1. Full names and Age
2. Private phone number
3. Fax Line
4. Current residential address
5. Occupation (COMPULSORY)

I will prefer you reach me on my private Email address below;
E-mail: p.chan92@yahoo.com.hk

And finally after that I shall provide you with more details on this
transaction. Your earliest response to this letter will be highly
appreciated.

Kind Regards,
Mr. Patrick K.W Chan.
16/03/2011

From Mr. Sankara Ahmed

Professional Accounting / Auditing.

BP 0112 Ouaga- Burkina-Faso

E-mail: sankaraahmed14@sify.com



Hello My Dear friend,
How are you doing together with your entire family, I hope all is well? Please carefully read and understand my reason of contacting you through
this email. I am Mr SANKARA AHMED .

The chief Auditor Bill and Exchange Foreign Remittance Unit Bank of African (B.O.A) Burkina Faso. West Africa.
Here. I am contacting you because of an abandoned sum of Nineteen Million Three Hundred Thousand United State Dollars. ($19.3 Million) that was deposited by a
late customer of this bank called Dr.Michael Hilliam Billing.

A very prominent man who was doing business transaction with our bank. He was a citizen of Lebanon. This bank unfortunately lost his life through assassinated
on February 14, 2005 when explosives equivalent to around 300 kg of C4 were detonated as his motorcade drove past the Saint George Hotel in the Lebanese
capital, Beirut.

The bank has no knowledge about his death. Upon this discovery that i decided to make this business proposal to you since the banking laws and guidelines here
stipulate that if such funds remain unclaimed here after nine years, the money will be transferred into the Central Bank Treasury as unclaimed fund.
My stand to contact you now is that, a foreign has the legal right to put claim to such deposit followed by you will proof your claim with the bank. Therefore,
I want you to apply as his business partner.

This transaction is going to be a success because, a foreigner is compulsorily needed to present himself or herself as the next of kin to this
deceased bank customer and hence the beneficiary of the fundbecause the fund depositor was a foreigner. I therefore, desperately need your assistance to
claim and receive this huge sum of money into your account..
For the assistance in this transaction, you will be entitled to 40% of the total fund in respect of the provision of your bank account and the assistance
you are to render on the process. 55% would be for me as the originator and initiator of the transaction, and the rest 5% will be used to off-set any minor
expenses which may arise during the process of transferring the fund into your account..
I and my entire family will leave here immediately for your country in order to share the
profits and we also invest part of my own share over there, as soon as the fund is transferred into your account.

Please endeavour to keep this transaction very secret and highly confidential because i will lose my work here as bank staff, where the

bank
authority here finds out that you and I are collaborating in this "Special



Deal".. Please also be rest-assured that this business is 100% risk-free, and all the information and data's you will need to make successful claim of this fund in the bank here are fully ready with me here.
Note Well: Please urgently confirm your willingness and interest to assist me by filling and sending back to me the needed information below and also call me
immediately on my private



Your Full Name........................

Your Sex........................... ..

Your Age........................... ...

Your Country....................... ...

Passport / driving license............

Marital Status........................ .

Your Occupation.................... ...

Your Personal Mobile Number...........

Your Personal Fax Number...............


From Mr. Sankara Ahmed

Professional Accounting / Auditing.

BP 0112 Ouaga- Burkina-Faso


E-mail: sankaraahmed14@sify.com

Regards

17/03/2011

Ming Yang
18/3/2011
I am indeed sorry if you must have recieved this email in your spam folder
it must have been as a result of my slow internet connection,Let me start
by introducing my self.I am Mr.Ming Yang,director of operations of the
Hang Seng Bank Ltd,Sai WanHo Branch.I have a obscured business suggestion
for you concerning one of our client.This business is about Major Fadi
Basem and his family who was killed during the war in a bomb blast that
hit their home.Until hisdeath he deposited the sum of Twenty Four millions
Five Hundred Thousand United State Dollars with my bank.

After further investigation it was also discovered that Major Fadi Basem
did not declare any next of kin in his official papers including the paper
work of his bank deposit,all that is required from you at this stage is
for you to provide me with your Full Names, Address and phone numbers so
that the attorney can commence his job.After you have been made the next
of kin,we shall share in the ratio 50% for me, 45% for you and 5% will be
used to pay back expenses incurred from both ends in the process of the
transfer to youraccount.I am prepared to release further details to you
based on your response and communications.If you are interested in
assisting me,I will give you more details you contact me on my private
email:hkming201yang@yahoo.com.hk
Awaiting your response.
Sincerely,
Mr.Ming Yang

You Won Seven Hundred And Fifty Thousand Great British Pounds In British BPO Award. Send Your

sabrina davis
to
dateSat, Mar 19, 2011 at 12:24 AM
subjectYou Won Seven Hundred And Fifty Thousand Great British Pounds In British BPO Award. Send Your
signed-bysbcglobal.net

hide details 12:24 AM (10 hours ago)



Name.......

Tell......

Country.....


fromOscar Javier Suarez Medina
to
dateTue, Mar 15, 2011 at 10:17 PM
subjectSend Details To Claim seven hundred and fifty thousand great british pounds in Premier Oil Promo. Send:
mailed-byunal.edu.co

hide details Mar 15 (4 days ago)



Name.....

Address

The First Saudi Insurance Symposium

The 1st Saudi Insurance Symposium
From: 22-Feb-2011
To: 23-Feb-2011

Under the patronage of His Excellency Dr. Abdulrahman Alhamidy, The Vice Governor of the Saudi Arabian Monetary Agency, the Institute of Banking (IOB), in cooperation with the General Committee for Insurance Companies, is organizing the 1st Saudi Insurance Symposium, which will be held during the period of 22nd and 23rd of February, 2011, at the IOB in Riyadh.

Speakers

Speakers


H.E. Dr. Abdulrahman Alhamidy , Vice Governor, SAMA

Mr. Jamaan Al Wagdany, Director General, IOB

Mr. Ali Alsubaihin, Tawuniya

Mr. Harvey Duckers, GAD

Saleh Alhnaki, Falcom

Panelist: Mr. Paul Adamson, AXA,

Mr. Omar Bilani, Watania,

Chairman: Mr. Ayman El Hout, Med Gulf

Mr. Tariq M. Malak, Aramco.

Mr. Naser Al Jarba, Sabic.

Mr. Nabil Kokash, AON Saudi Arabia

Chairman: Mr. Mousa Al Rubaian

Mr. Mohammed Al Shayea, SAMA

Dr. Abdullah Al Sharif, Council of Co-operative Health Insurance

Chairman: Mr. Ali Al Ayed, Malath

Mr. James Peacock, S&P

Mr. Mark Stephens, Milliman

Mr. Basem Odeh, Arabian Shield

Chairman: Mr. Debo Ajayi, Milliman

Dr. Morten Karnuth, Munich Re

Mr. Mike Barnes, McLarens Young Saudi Co. Ltd.

Mr. Ayman El Hout, Med Gulf

Chairman: Mr. Yassir Al Baharna, ARIG

Mr. Paulo Machado, Mercer

Mr. Sadullah Khan, IOB

Chairman: Mr. Samy Al Ali, Al Ahlia

Facilitator: Mr.Tal Nazer, BuPa Arabia

CMA

AGENDA

Day & Time
Topic
Speaker

Day 1,Feb 22,2011

8:30am
Registration, morning refreshments


9:00am
Welcome note
Mr. Jamaan Al Wagdany, Director General, IOB

9:05am
Official Opening
H.E. Dr. Abdulrahman Alhamidy , Vice Governor, SAMA

9.15am
Session 1: The Insurance Industry in the Kingdom

15min
The existing paradigm shift - Competition vs. Survival
Mr. Ali Alsubaihin, Tawuniya

15min
The hidden challenge - Solvency margin requirements
Mr. Harvey Duckers, GAD

15min
Is merger our destiny?
Saleh Alhnaki, Actuscope

30min
Q&A Panel Discussion
Panelist: Mr. Paul Adamson, AXA, Mr. Omar Bilani, Watania, Chairman: Mr. Ayman El Hout, Med Gulf

10:30am
Coffee Break


10.45am
Session 2: Insurance experience - Mega Projects

15min
Aramco Experience
Mr. Tariq M. Malak, Aramco.

15min
Sabic Experience
Mr. Naser Al Jarba, Sabic.

15min
Brokers' Perspective
Mr. Nabil Kokash, AON Saudi Arabia

30min
Q&A
Chairman: Mr. Mousa Al Rubaian

12:00PM
Prayer time and Coffee Break


12:30 PM
Session 3: Market Regulation - Regulators' Perspective

15min
The Transition from Regulation to Supervision
Mr. Mohammed Al Shayea, SAMA

15min
Compulsory Health Insurance / Way forward
Dr. Abdullah Al Sharif, Council of Co-operative Health Insurance

15min Governance CMA
30min
Q&A
Chairman: Mr. Ali Al Ayed, Malath

1:45 PM
Buffet Lunch


Day 2, Feb 23,2011

8:30am
morning refreshments


9:00am
Session 4: Enterprise Risk Management Governance and Compliance

15min
Successful Implementation of ERM in the KSA Insurance Sector
Mr. James Peacock, S&P

15min
Implementing Risk Management Governance & Compliance
Mr. Mark Stephens, Milliman

15min
Business Benefits of Compliance
Mr. Basem Odeh, Arabian Shield

30min
Q&A
Chairman: Mr. Debo Ajayi, Milliman

10:15am
Coffee Break


10.30am
Session 5: Natural Risks

15min
Natural Disasters - Regional trends
Dr. Morten Karnuth, Munich Re

15min
Mitigation of natural disasters
Mr. Mike Barnes, McLarens Young Saudi Co. Ltd.

15min
From Business Interruption to Business continuity - Case Study
Mr. Ayman El Hout, Med Gulf

30min
Q&A
Chairman: Mr. Yassir Al Baharna, ARIG

11:45AM
Prayer time and Coffee Break


12:30 PM
Session 6: The Human Aspects of the Insurance Industry

15min
Developing People in emerging market
Mr. Paulo Machado, Mercer

15min
The IOB's Contribution towards Professionalism
Mr. Sadullah Khan, IOB

30min
Q&A
Chairman: Mr. Samy Al Ali, Al Ahlia

15min
Wrapping & Close of Days 1&2
Facilitator: Mr.Tal Nazer, BuPa Arabia

1:45 PM
Buffet Lunch

List of Insurance and Reinsurance Companies and Services Providers as published by Saudi Arabian Monetary Agency

List of Insurance and Reinsurance Companies
and Services Providers

10/7/2010 – 28/7/1431 H


First: Insurance and Reinsurance Companies


(1) Licensed Companies:

The Company for
Cooperative Insurance
(Tawuniya)
800 124 9990
The Mediterranean & Gulf
Cooperative Insurance &
Reinsurance (MedGulf)
01 4779229
Malath Cooperative
Insurance & Reinsurance
Company
01 4168222
Saudi Arabian Cooperative
Insurance Company
(SAICO)
01 4759922
Al Ahli Takaful
02 6927606
SABB Takaful
01 2764400
Arabian Shield
Cooperative Insurance
01 4645943
Saudi IAIC for Cooperative
Insurance (SALAMA)
02 6647877
Gulf Union Cooperative
Insurance Company
01 4661830
Assurance Saudi Fransi
01 4042222
Sanad for Cooperative
Insurance and Reinsurance
01 2927111
Trade Union Cooperative
Insurance Company
03 8572222
Al Sagr Company for
Cooperative Insurance
03 8595363
Saudi Indian Company for
Cooperative Insurance
01 2150983
Arabia Insurance
Cooperative Company
01 2153360
Saudi United Cooperative
Insurance (Wala'a)
03 8652200
BUPA Arabia for
Cooperative Insurance
02 6636936
Saudi Re For Cooperative
Reinsurance company
01 2019798
United Cooperative
Assurance (UCA)
02 6530068
Al-Ahlia Cooperative
Insurance
01 4726666
Allied Cooperative
Insurance Group (ACIG)
02 6574999
Al Rajhi Company for
Cooperative Insurance
01 4730477
Ace Arabia Cooperative
Insurance Company
03 8424441
Alalamya for Cooperative
Insurance
02 6927085
AXA Cooperative Insurance
Company
03 8822813
Gulf General Insurance
Company
02-6516610
Buruj cooperative Insurance
Company
01-2935265
Wiqaya Takaful Insurance
& Reinsurance Company
01 4501001
Amana Cooperative
Insurance Company
01 4757700
Wataniya Cooperative
Insurance Company – SNIC
02 6606200


(2) Listed Companies:

Solidarity Saudi Takaful
Company
01 2798999


(3) Companies Approved to be established by the council of
Minster:

ANB – AIG
01-2061622
Tokio Marine Saudi
Arabia
02 6433334


Second: Licensed Insurance and Reinsurance
Services Providers


(1) Insurance Brokers:

Wajeef Insurance
Brokerage Services
01 -4566290
Al-Thanyan Company for
Insurance Brokerage
01- 4788895
Saudi Brokers
Insurance & Reinsurance
Brokerage
03 8821840
AON Saudi Arabia
Insurance Brokerage
01 4770072
AlJazira Takaful Taawuni
02-6836364
Insurance House for
Insurance & Reinsurance
Brokerage
01 -4661096
Willis Saudi Arabia
for Insurance Brokerage
03 8945669
AlAman Insurance &
Reinsurance Broking
02 6511703
National Insurance Brokers
Company
01 -4623350
First Insurance &
Reinsurance Brokers
Company
03 8353335
United International for
Insurance & Reinsurance
Brokerage
01-4197799
SAAB Insurance Services
LTD
01 2763925
ACE Insurance Broker
01 4792330
AlMustashar for Insurance
Brokerage Services
01 2811129
Solutions Insurance
Brokerage Company
02 6650001
Green Shield National for
Insurance & Reinsurance
Brokerage
02 6534251
Arabian Marketing Services
Company (AMS) Insurance
& Reinsurance Brokers
02 6971063
The Insurance Brokerage
House
02 6683578
Trust Insurance Brokers
Co.
02 6691926
Saudi Link Insurance
Brokers Co.
01-4602872
Mayar Insurance House
01 4726424
Hazard Protection for
Insurance Brokerage
01 4615159
Marsh Saudi Arabia
Insurance & Reinsurance
Brokers
01 4191955
DAMAN Insurance &
Reinsurance Brokerage
Company
01-2171012
Saudi Belgian Reinsurance
Broking Company
(SABEL Re)
01 2051512
Wasl Insurance Broker
01 2886788
ITTIHAD INSURANCE
BROKERS.
920001066
Saudi Brokerage Company
01 4615424
Al Mamoon overseas
Insurance Broker
02-6454888
Elite Insurance &
Reinsurance Brokers
920007474
Commercial Services
Company Arabia Insurance
Brokers
02-6747215
Nasco Karaoglan Saudi
Arabia
01-2064666
Golden Fidelity
for Insurance
&Reinsurance Broker
02-6575520
Lonsdale & Associates
Insurance & Reinsurance
Brokers
01-4759966
Gulf Company for Insurance
Brokers Co.
01-4791029
Al Tayyar Insurance
Broker
01 4657488
Al Yamamah Insurance
Broker
03 8349724
Trust Brokers for
Insurance &Reinsurance
Brokerage
03 8872660
Aims Gulf Insurance
Brokers
03 8575200
Alaman Saudi Arabia
Insurance & Reinsurance
Brokers
02 6682237
Addison Bradley Insurance
and Reinsurance Brokerage
01-4779229


(2) Insurance Agency:

Waken Insurance Brokers
01 2931678
Independent Company for
Insurance Brokerage
services
02-6533295
M.M.Albassami Company
for Insurance Brokerage
01-4778277
Chedid Reinsurance
Brokerage LTD
01 4624932
Al Mosanada Insurance
Brokers
01-2790949
Global Insurance Broker
01-4509191
Masarat Altamin Insurance
Brokers
01-4190641
Arabian Company for
Insurance Agency
01 4740011
ACE Insurance
Agents
01 4792330
Crystals Company for
Cooperative Insurance
Agency
01 2311841
The Ocean Modern
Insurance Agency
02 6521667
Mohammed Abdulaziz
AlHamidi Sons Insurance
Agency
01 -4880066
Saudi Takaful Insurance
Agency Co.
01-2179847

AlMayazeen for Insurance
Agency Co
01-4122155
AlMarooz insurance agency
Co.
01-4055561
AlMotaqademah for
Insurance Agency Co
02-6519996
AlAreen insurance agency
Co.
01-2635375
Elite Global Insurance
02 6689734Agency
Watani Takaful Company –
Insurance Agency
01 4941042
Alsamiya Company LTD
01-4055550
Shire Company for
Insurance Agency
01 2690080
Waad Insurance Agency
Company
01 4548422
Al-sabil Insurance Agency
03 8960017
Alahli Insurance Markting
Services Company Ltd.
02-6463266
Saudi Anadel Agency
01 4024030
Al-Aried Insurance Agency
Company
01-4122004
SABB Insurance Agency
Limited
01-4050677
Saudi Fransi Insurance
Agency
01-4042222
Future Way Insurance
Agency
03-8566424


(3) Actuaries:

Manar Sigma for Insurance Consultancy & Acturial Services
01-2113344


(4 ) Loss Assessors and loss Adjusters:

Noble Inspection & Loss
Adjustment Company
(NILACO)
01 4724728
Najm for Insurance
Services
01 2057787
McLarens Young Saudi Ltd.
02 6650635
SAUDI INSPECTION,
SURVEY&LOSS
ADJUSTING CO LTD
02 6570995
Saudi Cunningham Lindsey
for Loss Assessors & loss
Adjustors
03-8994697

Ahmed Omar Badhedouh
SURVEY&LOSS
ADJUSTING CO
02-6572647
Crawford & Company Loss Adjusters
03-8950794
Manar Sigma for Insurance Consultancy
& Actuarial Services
01 2113344


(5) Insurance Claims Settlement Specialists (Third
Party Administrators):

Najm for Insurance Services
01 2057787
Globe Med Saudi
01 2784825
Saudi Next Care
03 8988910
Total Care Saudi Third
Party Administrators
03 8981155


(6) Insurance Advisors:

Mednet Saudi Arabia Limited
02-6444448
Manar Sigma for Insurance
Consultancy & Actuarial
Services
01 2113344
ACE Insurance Consultant
LTD
01 4792330
Dar Mousa Insurance
Consulting Services
01-2690690
Marsh Insurance Consulting
Saudi Arabia
01 4191955
Cooperative Insurance
Consultancy Co. Ltd
02 6614001

Islamic Banking

The current financial crisis coupled with global recession has caused many flutters. Islamic Banking, if it follows the real principles of Shariah, it can go a long way in addressing the global issues like poverty, inflation, fraud, unemployment, recession and will fuel growth of economy in real terms. The failure of capitalistic principles in addressing the core issues of society will create a big vaccum, which can be very well filled by the Islamic Economic and Banking system which takes care of societal needs and benefits the society at large. Labelling any product and system as Islamic may the address the real issue.