Insurance of Construction and Erection Projects in Saudi Arabia and Different types of Insurance Policies.

Photo by Mohammed Sadullah Khan - Massive Construction Project

As lot of construction activity is taking place in the Kingdom of Saudi Arabia. The following information will be useful to the Principals, Contractors, sub-contractors and other interested parties.

In most of the Civil Engineering or Machinery Erection Projects the Project Management faces the problem of fixing the responsibility for insuring the risks to which the project is exposed and for administering the insurance policies. The Project Manager and the Risk Manager has to assess the risks they face in the Project and shall have to make a decicion on the extent of insurance covers needed. Even when the other parties are obliged to insure various risks relating to the Project ultimately the cost will have to be borne by the Employer directly or indirectly.

2. THE EMPLOYER'S RISKS:

2.1. The Employer has the highest stake in completing the Project and hence in its insurance covers.

2.2. In most of the cases, contracts can be better dealt with by the Employer assuming the responsibility for insurance. The Employer should foresee contingencies such as insolvency of the contractor, default by the Contractors, suspension/ termination of the Contractor replacing him with another Contractor etc while providing the insurance requirements.

2.3. The factors in favour of the Employer carrying the insurable risks are:

(a) The Employer has to pay the premium either directly or indirectly (costs built in the contract price). By combining the insurance requirements of various Contractors the volume of premium will be high enough to secure better insurance terms from the market.
(b) The Employers has the highest stake in completing the project since his investment is exposed to the perils
(c) The Contractors tend to cover their exposure only
(d) Cover can be continued with the Fire Insurers for the completed sections
(e) No gaps or grey areas as in the policies procured by the Contractors
(f) Employer is protected in case of insolvency or termination of the Contractor and apponintment of another to complete the contract
(g) Employer is protected against under-insurance if the insurances are properly arranged
(h) Employer's insurance can take care of common facilities and utilities which may be used by many contractors
(i) Employer can cover the risks of price escalation and replacement escalation where as the Contractors will be unwilling to cover such escalation in price
(j) Coordination and completion of restoration works following a major loss to works carried out by different contractors will be easy if the indemnity is provided by one insurer
(k) Following major losses it may not be possible to replace a machinery with another one of the same kind due to changes in technology. Employer's policy will be able to deal with the situation better in such a contingency

(l) Employer is familiar with the local law and the import and customs law. Hence he can arrange protection needed to meet their reqirement.
(m) If the Employer purchases the materials and supplies the same to the Contractor for Erection disputes may not arise between the Marine Insurer (of the Employer) and the Construction Risk Insurer as to when the damage occurred (when the materials are not checked as soon as they land or at the site) if both risks are covered by the same insurer
(n) Administration of the insurance function will be easier and less expensive if the Employer effects policies including the interest of the Contractors and manages the risk using one centralised office for the whole project. Coordination will be easier with this type of centralised administration. This will also avoid time and effort spent on actions for recovery by different Insurers insuring different interests of the same subject matter affected.

2.4. Even if the responsibility for managing the risks is passed on to the Contractors and the Employer is named as an insured, the Employer will continue to carry the following risks:

2.4.1. MATERIAL DAMAGE AND LIABILITY:

(a) Loss, damage or liability arising out of faulty design of the works by the Engineer
(b) Loss or damage arising out of or aggrevated by the "excepted risks" such as the war, hostilities (whether war be declared or not), invasion, act of foreighn enemies, revolution, insurrection or military or usurped power,civil war, riot, commotion or disorder, ionising radiations or contaminations by radio-activity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel, radio-active toxic explosive or other hazardous properties of any explosive, nuclear assembly or nuclear component thereof, pressure waves caused by air craft or other aerial devices travelling at sonic or super sonic speeds, or any other operation of the forces of nature as an experienced contractor could not foresee, or reasonably make provision for (force majeure)
(d) Loss or damage arising out of riot, strike or civil commotion or disorder
(e) Loss or damage to the works or part of the works taken in to use or is occupied by the Employer
(f) Non disclosure or misdescription of any material fact affecting the risk or any material changes affecting the risk
(g) Loss or damage arising out of or aggrevated by wilful act or wilful negligence of the insured (Employer) or his responsible representative
(h) Loss or damage arising out of or aggrevated by cessation of work whether total or partial
(i) Loss or damge occuring after commencement of tests on the second hand machinery installed

2.4.2. MATERIAL DAMAGE SECTION:

In addition to the above risks mentioned in paragraph 2.4.1, the following risk are also to the account of the Employer even if the responsibility for insurance is passed on to the contractor:

(a) Financial, consequential and trade losses such as the loss of anticipated profits due to delayed completion of the project, additional capital to be invested due to escalationin the project cost, penalties, fines, failure to secure special priviledges from the authorities due to delays (eg. concessional customs duties available during a period), loss of the targeted market etc.
(b) Faulty design or defective material if these are supplied by the Employer
(c) Loss or damage to materials supplied by the Employer due to normal wear and tear, corrosion oxidation or other normal atmospheric conditions

2.4.3. THIRD PARTY LIABILITY:

In addition to the above risks mentioned in paragraph 2.4.1, the Employer is exposed to the following risks in case of bankruptcy or closure of the Contracting Company the following risk are also to the account of the Employer even if the responsibility for insurance is passed on to the Contractor, unless each of the following risks is adequately insured by the party directly liable for the loss under specific policies such as the Workmen Compensation Insurance Property All Risks Insurance, Aviation Liability Insurance or the Motor Vehicle Insurance.

(a) Legal liability to pay compensation for damages consequent up on accidental bodily injury to or illness of third parties not connected with the project work (whether fatal or not) and accidental loss of damage to property belonging to third parties occuring in direct connection with the erection, construction or testing on the insured project work and happening on or in the immediate vicinity of the of the site during the period of the cover
(b) Legal liability to pay similar compensation for damages to one party involved in the construction work caused by another party involved in the same contract work
(c) Liability consequent upon bodily injury to or illness of Employees or Workmen of the Principal, Contractors or any other Firm connected with the Project
(d) Liability consequent up on loss of or damage to property belonging to or held in care, custody or control of the the Principal, Contractors and any other Firm connected with the Project
(e) Liability consequent up on any accident caused by vehicles licensed for general road use or by waterborne vessel or craft
(f) Liability assumed by agreement unless such liability would have attached also in the absence of such agreement

(A) DAMAGE TO MATERIALS USED IN THE PROJECT:

Construction Projects involving Civil Engineering Works and Machinery Erection are exposed to the following risks:

1. Materials forming part of the construction work:

(a) Construction/ Erection Risks while carrying out exploratory and/ proto type testing works such as drilling of test bore holes, exploratory excavations etc

(b) Storage risks at the suppliers' and manufacturers' premises for imported and locally supplied materials which have already been sold but not delivered to the Contractor/ Principal
(c) Marine/ transit risks from the suppliers'/ manufacturers' premises to the site of erection for materials to be imported including the risks of incidental & or intermidiate storages
(d) Storages in bonded warehouses and/ or Project warehouses near the port of entry
(e) Transits to and from the fabricators premises outside the construction site (for materials procured by the Contractor/ Principal and sent for fabrication/ assembly/ further process prior to Erection at site)
(f) Risks during storage and fabrication/ assembly/ process at the intermediate fabricators premises mentioned in (d) above
(g) Off site storages and inland transit from such storage locations to the site
(h) Storage at site
(i) Storage risks of materials procured for contracted/ subcontracted work but in custody of the Principal/ Contractor waiting to be handed over to the Contractor/ Sub-Contractor
(j) Normal construction/ erection risk at site
(k) Risks due to defective material and/ or defective workmanship
(l) Risks due to faulty design
(m) Completed portion of the work handed over to the Contractor but not handed over to the Principal
(n) Completed sections taken over by the Principal but not taken in to use due to delay in completion of other sections
(o) Risks during testing of each section of the Machinery on load
(p) Integrated final testing of the complete line of Machinery on full load resulting in achievement of commercial production
(q) The period of test run on load
(r) Risks during the Period Of Maintenance
(s) Risks during the Period Of Guarantee

2. Materials used for or inconnection with the Project but not forming part of the work (temporary works not fully written of in the Project, Constructional Plant, Equipment and Machinery and Temporary Buildings such as Stores, Labour Camp etc):

(a) Risks during transit from the storage premises of the owner to the site of Erection/ Construction
(b) Risks during storage off site
(c) Transit to and from such storage location to site and back daily/ periodically
(c) Risks during storage at site.

3. Unless specifically insured a normal Contractors/ Erection All Risks Policy will indemnify the Insured the cost of rectifying or replacing the item affected to the extent insured provided the loss did not occur due to any excepted peril. Such cover is provided for items 1(g) and 1(i) above if only the total contract value is declared for insurance. Even for these the following losses and/ or costs are not covered unless specifically agreed at the inception of the policy:

(a) Architects, Surveyors and Consulting Engineers Fees to be incurred for reinstating the damaged property
(b) Riot, strike and civil commotion risks
(c) Cost of removal of debris following an indemnifiable damage to the contract work
(d) Express freight (other than air freight) for replacements/ spares following an occurrence
(e) Overtime, night work and holiday wages for repairs/ replacements following an occurrence
(f) Air freight for replacements and spare parts to be procured following an occurrence
(g) Additional customs duties for replacements/ spares to be procured following an occurrence
(h) Escalation in prices of replacements/ spares to be procured following an occurrence (escalation may be due to inflation, incresed demand, reduced supply, increased cost of production, exchange rate fluctuation, original discounts not available for replacements etc; estimation of this should be based on the replacement cost of the project following a major catastrophic loss at the end of the construction period)
(i) Escalation in the cost of the project due to the reasons stated in (h) above (limit of indemnity being the Escalated Project Value)
(j) Cost of new parts for repairing second hand machinery and equipments
(k) Loss of or damage to existing or surrounding property (not forming part of the contract work) caused by the construction work
(l) Cost of removal of debris following land slides/ erosions and the cost of repairing the erroded slopes
(m) Cost of replacement with newer/ improved model of the machine in the place of the destroyed (total loss) machine when the same model or its equivalent is not produced any more
(n) Financial losses such as the loss of expected profits to be generated caused by the delay in completion of the project on account of an indemnifiable material loss or damage
(o) Guarantee for the works following the maintenance period (5 years or 10 years guarantee for Buildings and Civil Engineering Works and additional 1 or 2 years guarantee for Machinery)
(p) Loss of or damage to the Material Handling Equipments and other Machinery when they are being used for the Construction/ Erection activity after such equipments have been installed unless such equipments are insured as "Construction Plant and Machinery" for the period they will be used for the erection work by the Contractor or the Principal. Such equipments should also be insured as part of the Contract Work (the Contract Work sum insured also should include the value of such equipments) if such equipments will be taken over by the Principal as a part of the Main Project). An example is a gantry crane installed in a production bay and used for lifting the production machinery during installation.


(B) LIABILITY TO THIRD PARTIES ARISING OUT OF THE WORK:

Third party liability risks to which the Principal is exposed to are:

Liability for accidental bodily injury or illness and for accidental loss of or damage to property caused by

(a) The Principal or his representatives and employees to Third Parties and the Property of Third Parties not connected with the Project
(b) The Principal or his representatives and employees to other Parties engaged in the Contract Work and to their Property

Liability for accidental bodily injury or illness and for accidental loss of damage to property caused by

(a) The Contractors and other parties employed by the Principal in connection with the Construction/ Erection Work to third parties not connected with the project
(b) Any of the Contractor or the other parties employed by the Contractor in connection with the Contract Work caused to another party or another Contractor employed for the same project

Liability for loss of or damage to property in care, custody or control of the Principal

CHECKLIST FOR RISK MANAGERS OF CONSTRUCTION/ ERECTION PROJECTS:

DESIGN & CONSULT:

Insurance cover for Architects, Design Engineers and Consulting Engineers:

(a) Professional Indemnity cover to be producured by the Architects, Design Engineers and Consulting Engineers: limit of indemnity to be specified by the Principal depending on the exposure

Name of the specialist Period of cover Limit of indemnity


(b) Personal insurances for these officials and their assistants:

Cover Period of Limit of Schedule of
required insurance indemnity items

Motor vehicle insurance
Workmen Compensation insurance
General liability insurance

Insurance covers for the employer/ principal:

(a) Contactors all risks and third party liability covers including the following extensions:

Risks to be covered:


Insurance covers for the contractors and the sub contractors:

(a) Marine/ inland transit cover for materials supplied
(a) Contractors all risks and third party liability covers including the following extensions
(b) Plant all risks cover
(c) Motor vehicle insurance
Cover to include:
(d) Workmen compensation insurance
(e) Medicare and personal accident covers
(f) Bonds
(g) Fire and perils covers for off site accommodation, offices, warehouse buildings etc (permanent buildings taken on lease and the contents not absorbed in the contract price)
(h) General liability cover

Courtesy - S A Khan, General Manager, Creative Associates

Medical Insurance in Saudi Arabia Mohammed Sadullah Khan

Historically Insurance has been in existence for over three centuries in this world.  Due to its enormous growth it has been classified into various classes depending upon the type and nature of the risk involved.  The major traditional classes of insurances are Medical, Motor, Property & Marine.  It is found that Medical together with Motor forms almost half of the insurance portfolio to the total insurance business. These classes of insurance are also known as attrition class of business as losses do occur with regular frequency. Medical insurance is more prone to attrition than any other class of insurance.

In Saudi Arabia, insurance is being sold for almost over half a century.  In the recent past Medical insurance was being written by Medical Insurance companies, General Insurance companies and Life Insurance companies.  There are international brokers, local brokers and agents also selling medical insurance.  Other type of providers have emerged to manage the bulging Medical portfolios, they are Third Party Administrators and Consultants. In Saudi Arabia we have independent TPA and in-house TPA. We also have independent consultant and some times Brokers take the role of a consultant. But the majority of Medical Insurance is being done directly by the Insurers.

NCCI was enjoying the monopoly of being the only registered Insurance Company in Saudi Arabia. But Malath Co-operative Insurance and Re-insurance has broken the monopoly by become the first among non-NCCI companies to be registered. However this is a new company with very little experience in the Insurance Industry. There are many seasoned companies along with the new entrants awaiting clearance of registration.

The decision of the government to regularize Insurance companies under SAMA, was a major decision towards regulation and development of Insurance Industry.  The regulation was a comprehensive one requiring all the players in the market to get the necessary licence to operate with the minimum fees and deposits. Prior to the current regulation there were more than 80 insurance companies operating in the Kingdom.  However post licencing, these companies will be reduced to less than half. The remaining either have closed their operations, will be closing or merged with other companies.

The Motor Insurance was made Mandatory on 20^th November, 2002 fuelling the growth of Motor Insurance. Council of Co-operative Health Insurance was formed on 11/08/1999 to regulate the mandatory medical Insurance.  The first phase of health insurance, which was applicable to over 500 expatriate employees was made mandatory last year and the second phase applicable to over 100 expatriate employees during the early part of April this year.  This has increased the insurance awareness among the entire community.  Even-though the compulsion is for expatriates only but most of the companies are including their Saudi staff under Insurance. The over-all Saudi Insurance market is currently estimated at SR 5 billion. The potential for health insurance alone is more than SR. 20 billion and is expected to be achieved within next few years.

In the past many hospitals and clinics have suffered due to defaulting Insurance Providers. Very recently we have seen the closure of SACIR and Methaq, who were heavily into Medical Insurance.  Millions of riyals were lost by the hospitals due to unpaid bills by these operators.  The current regulation will protect the interest of all parties involved in Insurance.

Many hospitals are not happy with evaluation of claims by the insurance company doctors. These refusal of claims have become bone of contention between the hospital doctors and insurance doctors. The Insurance doctors need to trust the prima facie evidence of the treating doctor. The treating doctors some times end-up being dictated by the insurance doctors and end up losing their professional independence.

There are many companies specializing in Medical Health Insurance in Saudi Arabia.  For groups it is easy to get Insurance. Some of the staff, who are on deputation basis will have their own international Insurance from the companies in their own country. However if individual want to buy Medical insurance then he will have limited choices.  The cost of health insurance hovers between SR. 800 to SR. 4,500.  The main factors built into rating are sum insured, room type, network of hospitals, dental, pre-existing, repatriation of mortal remains, optical, maternity, international coverage, age of the insured, deductible, claims experience and group size etc.

Current basic CCHI coverage is standardized to make the insurance uniform and it has certain inherent advantages like compulsory coverage to a limit of SR. 250,000, dental coverage, vaccinations as per the MOH, optical and maternity.  The number of exclusions are less and well defined.  The basic room requirement is Semi-private room.  The difficult area is the deductible part which is 20% of the claims amount subject to a maximum of SR. 100.  In this area customers have ended up paying upto SR. 300 due to lack of understanding on various parties involved.  However as the scheme progresses further, the awareness will increase and there will be less mistakes. Insurance companies have already found a way to beat this deductible issue by issuing policies with fixed deductible. The basic intention of the CCHI coverage is to take care of treatment in Saudi Arabia hence some of the areas on which a general expatriate patient rely are not covered under the current wording of CCHI.  There is non-network Saudi Arabia and world-wide exclusion unless the treatment is Emergency in nature. Medical Insurance is still in evolutionary process and it may take some more time till it stabilizes.

On part of customer, they should realize that everything is not insurable and there are always some gaps in the insurance.  Too often it has been found that the customer either does not get the expected service, receptionist is slow, doctor is late or does not prescribe the medicine suggested by the patient and the blame goes to the Insurance Company.  In certain cases genuine problems are faced by the customers.  Certain companies try to seek approval for even small test which will consume the time of the patient and even after wasting the time the net result will be the denial of that particular test. Certain brands of drugs are not allowed by some Insurance companies, hence they suggest the treating doctor to provide with generic names of the drugs.  These generic names of the drug will give leeway for the Pharmacist to give the drug of his choice or the synonymous drug of cheaper variety, thereby causing dissatisfaction to the customer.

Apart from the factors mentioned above, the buyer should look into the strength of the company, its affiliation, flexibility and its payment record with the hospitals.  Buyer should also be aware of any fine prints, inner limits, geographical scope, non-network coverage, limitation of claim submission, general exclusions and practical difficulties before making any decision to go ahead with a particular policy. A 24 hour helpline is certainly a useful aspect of service by Medical insurer and should not be over-looked. As with all the buying processes the universal truth "Caveat Emptor" should not be ignored.

Mr Mohammed Sadullah Khan, an MBA, Fellow of Insurance Institute of India and an Associate of Chartered Insurance Institute of U.K., with more than 20 years of experience in the insurance industry — 12 of which have been in Saudi Arabia, is experienced in all classes of general insurance with special emphasis on property, medical, motor and bancassurance. He can be contacted at mosakhan40@yahoo.com

3rd - Saudi Insurance Summit set to begin Today - 17-05-2009

Finally the long awaited 3rd Insurance Summit, 17-20 May 2009 is set to begin at the Riyadh Marriott Hotel, Riyadh today. The summit is being held amidst the growing global recession crisis.

The opening address will be given by the dynamic HE Mohammed Al Jasser, Governor of SAMA. It will be followed by the panel discussions and presentations by various leading personalities of the Insurance Industry.

In Saudi Arabia the Insurance Industry is going through a phase of regulation. The government had made the Medical and Motor insurance as Mandatory. The regulation scenario has brought about a new type of competition. Insurance Industry in Saudi Arabia is still grappling with the lack of well qualified and professional staff.

The hunger for business has fuelled the insurance companies to go all out for any kind of business without looking into the consequence. The Risk Management, main domain of Insurance Industry has taken a back-seat. 

During the first two days of the summit, the focus will be on many issues including the state of Saudi Insurance Industry, co-operative Health Insurance, effect of Global financial crisis, Bancassurance and Risk Management. Another new element which is being seriously looked into is the Takaful Insurance, a concept which is being adapted throughout the world. The speakers are drawn from Saudi Arabia, Middle East and Europe.

Dr. Saleh J. Malaikah, Chairman, SALAMA had said, "With enormous untapped potential, the insurance market in Saudi Arabia continues to flourish and is poised for impressive growth in the coming years. Recent studies have shown that the KSA market for Sharia-compliment insurance will be worth US$4 billion in 2010, and forecast that the Islamic insurance (Takaful) market will grow five-fold over the next 10 years. The Third Saudi Insurance Summit will provide timely opportunity for reflection, discussion and decision-making -- helping all attending to take the insurance market forward in challenging but opportunity-filled times."

Mr. Mohammed Sadullah Khan, an Insurance Expert and the Faculty Member at The Institute of Banking, was upbeat about the summit and opined that this will provide an ample opportunity for the Insurance Industry in Saudi Arabia. This will also serve as a platform for networking and help the Insurance Industry to move forward and make them look at the challenges with a 360 degree vision. In the current scenario the Insurance Industry is facing a shortage of qualified Manpower. Saudization will help the Industry if a proper training program is put in place. Insurance is not like trading, it is highly technical Industry. Without understanding the intricacies of Insurance, it will not be possible to run a mutually beneficial organization.

Shujaath Ahmed Khan, is a freelance writer and can be contacted at shujaathahmed@yahoo.co.in.

Insurance in Saudi Arabia and booming Saudi Arabian, GCC Insurance Markets

By Shujaath Ahmed Khan

The increase in oil prices with the price crossing the magic figure of US $ 100 coupled with increase in the population of the Saudi Arabia and GCC has contributed to the growth in the business activity. Lots of contruction activity is taking place throughout the Gulf countries, which has contributed to growth in Insurance premiums. The compulsory Medical and Motor insurances has also fuelled the increase in the volume of premiums. Today we find that Insurance Industry is gearing into cope with the flooding business enquiries and some are entering into new forays.

The compulsory Medical Insurance in Saudi Arabia is in second phase and expected the enter any time into third phase. Currently it is essential that an insurance company uploads the Website with the member's list inorder to process Iqama renewal and any amendments to Iqama. Whereas Motor certificates are being insisted during registration of Motor vehicles and at the time of transfer of vehicles.

Registration of the Companies is still in progress and the companies not registered in the Kingdom of Saudi Arabia will have to stop dealing in insurance activity. New companies which have registered with huge capital base are now finding it difficult to get the business. There is a reduction in Medical premium and companies are trying to enter into Personal Lines Segment. This will further soften the market. The more competition will give rise to low premium rates and reduction in profit margins. CCHI is expected to take hard action on defaulting companies. Customers are still working hard to get the right deals for the money spent.

Interview with MR. MOHAMMED SADULLAH KHAN, Institute of Banking, Saudi Arabia

Interview with Mr. Mohammed Sadullah Khan, Senior Faculty Member, Insurance Studies Unit, The Institute of Banking, Saudi Arabia, Conducted by S G Afzal Biya Bani, Resident Editor, The Insurance Times, Saudi Arabia

Mr.Mohammed Sadullah Khan is currently working as Senior Faculty (Insurance) at Institute of Banking, IOB Riyadh, Saudi Arabia. He is a direct recruit of New India Assurance,1989 batch, he worked as Regional Business Development Executive for over 14 years with Royal and Sun Alliance Insurance Company Saudi Arabia.

He is a Fellow of Insurance Institute of India and Chartered Insurance Institute, UK. Mr. M. S. Khan was University Topper in MBA (Marketing) and is a well-known Insurance professional in Middle-East. He is a prolific writer and the author of two books on Insurance – “Savings on Motor Insurance” and “Reinsurance for Beginners”.

Before we start off today, I would like to thank you for joining us this afternoon for this exclusive interview which is on (NRI) Non-Resident Indian Insurance Professionals.

Please tell us about your Institute of Banking (IOB) background?

The current name “The Institute of Banking” was coined in the year 1989. But the Institute was initially established by the Saudi Arabian Monetary Agency in 1965.

As you are aware that the Saudi Arabian Monetary Agency is the Regulatory body for Banking and Insurance Sectors and they have been doing a very good job diligently in maintaining the credibility of the financial Institutions.

Initially the institute’s main focus was on the conventional academic education.  With the acceleration of the development of the banking business and the increasing introduction of advanced technologies in the banking sector, it became essential to change the Institute’s goals and strategies to respond to such changes and to cope with the expectations of the leaders of the banking and financial sectors.

Institute of Banking is delivering more than 400 training courses in a variety of subjects, such as Banking, Investments, Management & Marketing, Information Technology, Capital Markets, English, Soft skill and Insurance etc.

When did you join the Institute of Banking (IOB) and how?

Joining IOB was my second stint in Saudi Arabia. I joined Institute of Banking on 14 March, 2009.  Prior to this I worked for Royal & SunAlliance from 1994 till 2008.

Being a direct recruit belonging to 1989 batch of New India Assurance Company and working at Mumbai gave me an excellent exposure to almost all areas of Insurance. I was the founder and writer for an “Insurance Q & A column” for one of the leading English dailies of Saudi Arabia.  Through those columns I came in contact with IOB.

Can you specify the courses offered by your Institute and what is the language of Instruction?

Our Institute offers a large number of courses in various Financial areas and English language.  Almost all our (other than English as a language) courses are offered in Arabic and English.  More than 90% of our courses are in Arabic. I would like to mainly focus on Insurance Subjects.

As far as Insurance topic is concerned, we are the sole provider of Insurance Foundation Certificate Examination (I.F.C.E.), it is a mandatory examination for the specified employees working in the Insurance Industry.

We are also responsible for building the material for this examination, provision of Certificates and maintaining of records.

We also provide training for IFCE course, other than this we are also offering training programs and certification in various other subjects such as Motor Insurance, Property Insurance, Protection & Savings Insurance, Liability Insurance, Health Insurance, Essentials of Underwriting, Reinsurance, Principles of Insurance.

We are also running a 2 year Diploma Program in Insurance in Arabic, courses for Diploma in Broking and Diploma in Loss Adjusting.

What is the procedure for Individual Registration for IFCE Exams and the Fees structure?

IFCE being a mandatory examination, one of the pre-condition for registration for IFCE examination is that an individual should be working for an Insurance Company or provider.

The registration process is simple and can be done online through IOB website.  The fee’s for a first take of IFCE exam is set at SR. 1,000, and any retakes thereafter is set at SR. 500.  These fees are non-refundable and non-transferable.

What is the passing marks and pass percentage of students appearing for IFCE examination?

In-order to pass the IFCE examination one has to obtain a minimum marks of 70 out of 100, which is 70%. There was initial resistance for IFCE examination.

One of the main reasons for this resistance was the rate of failures.  During early period the pass percentage was less than 20% but now it has improved and is above 60%.  The passing of IFCE examination has encouraged many candidates to pursue further studies in Insurance Subjects.

We would appreciate if you could give your advice to our readers, who are IFCE aspirants?

IFCE and Insurance Education guidance has become my passion.  Many known and unknown faces have benefited from the guidance. The current pattern of IFCE examination is bit easy.  People with experience often fail because of their experiences.

They have to identify three things, what they do at their office is the practice and what we read in the book are principles.  Then there is Regulatory requirement.

Hence when understanding principles they should keep their practices aside. They have to keep their understanding of the subject in three compartments practice, principle and regulatory part.

The examination is of multiple choice questions (MCQ), hence the book prescribed by IOB should be read from first page to the last page and that too word by word.  There should be a minimum of 3-5 readings of the whole book with understanding.

If you get hold of 100 sample test questions then you should work on that test only after you are thorough with the subject, until then avoid any kind of sample test.  The sample test result will be able to provide you with your level of learning.

In case of difficulty a full-fledged course will always be helpful. After you complete your IFCE, you have to think this only as a stepping stone and move towards gaining other Insurance Certifications.

For Indians I suggest them to go for Licentiate Examination of Insurance Institute of India, at the earliest. I always suggest my other students to first go for local certification if available, then at a later stage they can think of International certification.

For those students who do not have local certification can directly go for the International certifications

Do you have any tie-up with any International Insurance Institutes or Charters?

Our main focus is to provide a high quality education, training and development programs to our students. We always strive to bring the best available courses on the table.

Currently we are offering courses related to two Diploma’s one in Insurance Broking and the other one in Loss Adjusting in collaboration with ANZIIF (Australian & New Zealand Institute of Insurance and Finance).

We are also working with other Professional International bodies to bring in the best quality education to Saudi Insurance Market.

Do you have any plans for tie-up with the Insurance Institute of India, Mumbai or NIA Pune in near future?

My first Insurance qualification was from the Insurance Institute of India (III) and I am also a Fellow of Insurance Institute of India.  I have high regard for III.  I will be happy to have some kind of tie-up between IOB and III.  We have already taken a step towards building mutual co-operation for the benefit of Insurance Industry in Saudi Arabia. In this respect we are planning to visit India shortly.

Are there any specific courses for training Insurance Intermediaries in Saudi Arabia?

We do offer courses leading to Diploma in Insurance Broking. We also anticipate a licensing arrangement for the Insurance Intermediaries in near future.  We are working on courses which are suitable for Insurance Intermediaries and qualifying in these courses may help them, if licensing system comes into force.

Are you conducting any Seminars and workshops for the benefit of Insurance Industry?

We believe conducting high level workshops and seminars will help the Industry.  It helps in enhancing the knowledge of the participants, team building, exposing the services, creating a platform and networking.  We have conducted few workshops last year.

We had conducted our First Saudi Insurance Symposium in the year 2011 and I was one of the organizers and the speakers at that event.  We will be conducting Second Saudi Insurance Symposium on 26th and 27th of February this year. This time I will be one of the Panelists on Human Capital Development.

Do you have the provisions for web based training?

Currently we do not provide web based training facility. But we do understand the need for web based training, we will be having a look into it at the appropriate time.

What is your opinion about the awareness of Insurance courses in Saudi Arabia ?

Before the regulation of Insurance in Saudi Arabia there was very low awareness about Insurance courses and Certifications.  Very few expatriates were able to pursue their goals of Insurance education in Saudi Arabia.

CII courses and III courses were equally popular.  Now due to mandatory Insurance Foundation Certificate Examination (I.F.C.E.) and Saudization drive there is more demand among all towards furthering Education and Certifications.

Do you have any other initiative or future plans for Professionalism in Insurance? What do you think is the best course of professional development for Saudi Insurance Industry?

We at the Center of Insurance Studies strive to provide internationally accredited academic and professional insurance programs, certificates, and diplomas.  We also do continuous assessment of the insurance educational needs to develop and enhance our educational solutions through research, training, and development.

One of the foremost initiatives is to get the prior learning exemptions to our certificate IFCE from Internationally reputed Organizations.

I feel that the Insurance Industry in Saudi Arabia is still in its infancy stage. During next 3-5 years there will be more demand for professional insurance certification.  Currently apart from IOB, there are few private institutions and universities which are offering Insurance courses.

But I feel that during next few years there should be a local body, which should offer professional development and certifications to the Insurance Industry personnel, which will work on similar pattern to Insurance Institute of India.

Finally, would you like to share few memories of your Insurance professional life with our readers?

My Insurance profession memories are embedded with my experience of getting selected by New India Assurance Company in the year 1989, as a direct recruit, their memorable induction training program and working at one of their busiest branches in New Mumbai till l994.

Being a focal point between rural and biggest urban conglomerate had a rich experience of understanding, training staff, multi-dimensional problem solving, providing covers, handling claims, identifying fraud and addressing it for a range of products from Bullock Carts to CAR policies for Railway station.

Exposure to a variety of demanding and nice customers, bosses and employees was one of the best experiences I could ever gain.

The weather, hilly tracts, unpredictable and incessant rains, silvery lines in the green and wet mountains, walking amidst all kinds of weathers and environments helped me in working like a workaholic. Those were the really unforgettable lingering memories of my Insurance Professional Life.

Thank you very much sir for your precious time and sharing your views – S. G.. Afzal Biya Bani

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

30/04/2013

RESERVE BANK OF INDIA

Shri Chandan Sinha. 6,Sansad Marg,

New Delhi - 110 001, India.

Telex: 09331Credit/RBI.

Our ref: Cbn/Ohg/Oxd1/2013

Payment file: RBI/id1033/013

Payment Amount: £500,000. 00

                (RBI) RELEASE THE BRITISH GOVERNMENT UNPAID FUNDS NOTIFICATION NOTICE TO YOU

Attention: Dear Beneficiary,

The Reserve Bank of India (RBI) Foreign Exchange Transfer Department has decided to bring to your attention, that you were listed as a beneficiary in the recent schedule for payment of outstanding debts incurred by the BRITISH GOVERNMENT Pending since  2007  to  2012  According to your file record with your email address, Your payment is categorized as:

Contract Type:  Lottery/Inheritance/Unpaid Contract Funds/ Undelivered Lottery Fund//Charity Fund/ Next of Kin/ Unpaid Loan etc.  Payment File:  RBI/id1033/013. Payment Amount:  £500,000.00 Five Hundred Thousand Great British Pounds.

This was as a result of A recent meeting held on the 29th of March 2013. The Reserve Bank of India (RBI) Governor, Dr. D. Subbarao, met with the RBI Senate Tax Committee on Finance regarding unclaimed funds which is overdue. At the end of the meeting the RBI Governor, Dr. D Subbarao ordered that all unclaimed funds have be authorized by the BRITISH GOVERNMENT to be release to the beneficiary file record as A Compensation from the BRITISH GOVERNMENT stating that it’s an unfair practice to withhold Individual funds in government basket for any reason or for tax accumulations.

Therefore, we are writing to inform you that £500,000.00 GBP, respectively according to your unpaid file record amount will be release and accredited to your bank account in full amount, as it was committed to the (RBI) Governor that Beneficiary will have to get the Letter of Approval from the British Council Chairman Sir Vernon Ellis in United Kingdom.

Therefore after verification by the concern body (The British High Commission Office Delhi/Mumbai), you are required to kindly revert back to this mail within the next Three(3) bank working days so you can be directed on how to get the required Letter of Approval (LOA) which will cost you 17,500.00/- Rupees Only.

For more details, reconfirm/provide the following details as listed below and forward it to this email address: rbi-foreignremittance-dept@admin.in.th so your details can be reconfirmed to enable us proceeds to further step.

 FILL COMPLETE THE VERIFICATION FORM BELOW:

1. Full Names:

2. Residential Address:

3. Mobile Number:  

4. Occupation:                   

5. Sex:                                  

6. Age:                                 

7. Country:                        

8. Marital Status:              

9. E-mail id:                     

10. Bank Name:                 

11. Account Number:

12. Account Holders Name: 

13. Bank Branch:

14. Scan Copy India Govt. Pan Card or Driver’s License:          

For security reasons and preservation of this Funds to you, you are hereby authorized to keep all your Funds corresponding details confidential-secret, to secure your funds and to avoid any other person to come and claim it from you which is double claims, and unwarranted third party because if there is any call for double claims or unwarranted third party you are going to be disqualify from receiving this funds.

 You are therefore authorized by the RBI Governor Dr. D. Subbarao not to disclose your Funds corresponding details to any-body until this Funds is accredited to your bank account successfully.

Thank you for your Ultimate Understanding and Co-operations. Accept our hearty congratulations directly from Dr. D. Subbarao the Governor of Reserve Bank of India (RBI).                                                                  

Thanks & Regards

Foreign Remittance Department

Dr.  Srinath  Arora

Secretary to  Dr. D. Subbarao

       The Governor

Reserve Bank of India New Delhi.

***************WARNING**************** this message was sent from the Accounts Department of Reserve Bank Of India. It is only designated for intended recipient only. If you have received this email in error you should immediately discard it without transferring or storing any of it's content. Anyone caught not abiding with these rules will be made to face the law as all communications are officially meant for Reserve Bank Of India customers only. (Reserve Bank of India) Copyright ©2013 All rights reserved.

anitaa	4:26 PM (16 hours ago)
to anitacoulibaly.

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Hello Dear,
I am Miss Anita  Coulibaly from Sierra Leone .I am an Orphan being that I lost my  parents a couple of years ago during the war in Country Cote d'Ivoire.I hope you are aware of the war which has ravaged this country Cote D'Ivoire for the past years now and before my
father's death he made a deposit of  ( USD$500,00000 US dollars ) with abank.

After the burial of my father I call bank to withdraw the money so that I can start a better life and take care of myself the Branch manager of the Bank whom I call in person told me that my
father's instruction to the bank that, the money will be release to me only when I am married or present a trustee who will help me and invest the money overseas. I have chosen to contact you after my prayers and I believe that you will not betray my trust. But rather take me as your own daughter.

Please i want you to help and invest this money in your country, I will offer you 25% of the Total amount.

I am waiting for your
response
Miss Anita Coulibaly

WWW.COCA-COLA.CO.UK	8:08 PM (12 hours ago)
to undisclosed recipients

Be careful with this message. Many people marked similar messages as phishing scams, so this might contain unsafe content.  Learn more

(Dr. Frank Owen)

Promotion Manager

Phone Number: +447010020974.

COCA-COLA LONDON.doc 568K   View   Download                                                                                                                                                                                                           United Kingdom                                                                                                 Kenmore Rd 41B Park, Wakefield, West                                                                                                      Yorkshire WF2 0XR, England                                                                                                        www.coca-cola@live.co.uk.               Congratulations, We are happy to inform you the result of the annual final draws held on (April 26 th 2013, Time 03:07 PM) by Coca-Cola Bottling Company in conjunction, with the British Worldwide Promotion. Your email was luckily drawn by computer balloting system as you the winner in our Online lottery bonanza from the prestigious COCA-COLA ENGLAND ONLINE PROMOTION, Thus making you the winner sum of £500, 000, 00 Pounds (Five Hundred Thousand Great British Pounds Sterling’s). This is to let you know that this online world E-mail draws was conducted from an exclusive list of 5 company E-mail addresses, 2 individual E-mail addresses from over 8 networks and corporate bodies were picked by an advanced automated random computer selection from the web.  Please complete the form below with correct information and email back to us with a return email so that we can have a precise and comprehensive record of our winners and also provide you On how you will receive your winning amount.  Your prize cherub has been vaulted safely with our corresponding Bank prior to your readiness to complete your claims and would be presented to you after verification of the data requested below.  These are your identification numbers:  Batch number..........C.C.UK/004412010  Lotto number...........C.C.UK/0-46 Winning number......C.C.UK/ 04567 Winning Amount......£500,000 .00 Pounds To proceed with your claims, you would be required to fill the Verification Form below completely and return back to us immediately.                                                 Fill Out This Form 1.     Full Names: 2. Full Address: 3. Date of Birth: 4. Country of resident:  5. Occupation: 6. Sex: 7. Marital Status: 8. Winning Email Address:  9. Mobile Number: 10. Scan copy of your ID card : 11. Date: (Dr. Frank Owen) Promotion Manager  Phone Number: +447010020974.                                                                 BATCH/REFERENCE NO:C.C.UK/ 004412010 Prof. Alex Kingston and Dr. George Williams Past Winner in Coca-Coca Company Online Promo England   Coca-Cola Company Promo Claim Your (£500, 000, 00 Pounds) Five Hundred Thousand Great British Pounds Now. For security reasons, you are advised to keep your winning information confidential till your claims is processed and your money remitted to you in whatever manner you deem fit to claim your prize. This is part of our precautionary measure to avoid double claiming and unwarranted abuse of this program, please be warned NOTE: REPLY TO: www.coca-cola@live.co.uk.                                                                                                                                                                                                                                                                                                                                                                                                                                                             April 26 h 2013, Time 03: 07 PM.

02/05/2013

FROM: THE DESK OF THE E-MAIL PROMOTIONS MANAGER INTERNATIONAL PROMOTIONS/PRIZE AWARD DEPARTMENT, UK LOTTO CORPORATION WORLD LOTTERY UNITED KINGDOM PO BOX 1010 LIVERPOOL L70 1NL UNITED KINGDOM

                                                   

The Uk Lotto Incorporation

PO Box 1010, Liverpool

L70 1NL, United Kingdom

====================================

Ref: XYL /26510460037/05

Batch: 24/00319/IPD

Congratulations!!

We are please to inform you that your email address has won an award in

The UK LOTTO INC LIVE held on April 30^th 2013 in London United Kingdom.

The Award center of UK Lotto Inc randomly selected 10 Email addresses

Through a computer ballot system to receive an award of One Million Great Britain Pounds (£1,000,000.00) each as a part of their For-Profit philanthropic wing, Award prize must be claimed not later than 25 Days from the date of this Notification after the Draw date in which prize has won. Any prize not claim within this period will be forfeited

These are your winning identification numbers below.

Ticket Winning Number................... 356-00098-3211-222

Lucky Number..................... 67-99-777963

Serial Number....................... 818-09

NOTE 

For security reasons, you are advise to keep your winning information confidential till your claims is processed and your cash prize is remitted to you. This is part of our precautionary measure to avoid double claiming and unwarranted abuse of this program,

Please be warned.

Below here is the claim verification and funds release form, you are hereby advice to fill and submit back to the fiduciary manager.

VERIFICATION AND FUNDS RELEASE FORM

1. FULL NAMES:

2. ADDRESS:

3. SEX:

4. AGE:

5. MARITAL STATUS:

6. OCCUPATION:

7. E-MAIL ADDRESS:

8. TELEPHONE NUMBER:

9. MOBILE NUMBER:

10. AMOUNT WON:

11. STATE:

12. COUNTRY:

13. NEXT OF KIN:

14. ZIP CODE:

15: NATIONALITY:

16: You’re Reference, Batch and winning numbers:

To file for your claim, please fill and submit your verification form

To our fiduciary manager immediately via information below

(CONTACT EVENTS MANAGER)

Name: Mr. Peter Ricker

E-mail: uk.onlinedraw@bisedime.net

Tel: + 447010071804

Mr. Peter Ricker

(Online Manager)

                                 

                                  LOTTERY SPONSORS:                                                                   

UK LOTTO CORPORATION UK,             UK LOTTO CORPORATION AFRICA,

UK LOTTO CORPORATION USA,           UK LOTTO CORPORATION ASIA

karen29@zipmail.com.br	9:42 PM (13 hours ago)
to undisclosed recipients

Dearest in Christ,

With Due Respect And Humanity,Let me first of all inform you, I got your email address from a mail Directory and decided to mail you for a permission to go ahead.

I am Mrs.Karen Olsen from Switzerland. I am married to Mr.Tom Olsen who worked with a construction company in Asia for twenty Years before he died in the tsunami disasters, we were married but without Any children.

I am now suffering from long time breast Cancer and Cancer of the lungs, from all indication my condition is really deterioration and it is quite obvious that i won't live more than 2 months according to my doctor, this is because the cancer stage has gotten to a very bad stage

Since his death I decided not to re-marry. I deposited the sum of four million five hundred thousand united states dollars($4.5million) with the Bicici bank Abidjan Cote D' Ivoire. And now i am willing to donate this sum of $4.5million to the less privilegeds and t o contribute to development of church in Africa, America, Asia, and Europoe.

My late husband was a very wealthy and after his death, I inherited all his business and wealth, Presently this money is still with the bank and the management just Wrote me as the beneficiary to come forward to receive the money or rather Issue a letter of authorization to somebody to receive it on my behalf If I cannot come over.

I am presently in a hospital where I have been undergoing treatment Cancer of the lungs in a hospital , I have since lost my ability To talk and my doctors have told me that I have only a few months to Live. Please i want you to note that this money is lying in the Bank in Abidjan Cote D' Ivoire

I want a person that is trustworthy that will utilize 90% of this money to fund churches, orphanages and widows around the world but in my name Karen Olsen"As soon as I receive your reply I shall give you the contact of the bank.I will als o issue you a letter of authority that will prove you as The new beneficiary of this fund.

Please assure me that you will act accordingly as I stated herein and Keep this contact confidential till such a time this funds get to your Custody,this is to ensure that nothing jeopardizes my last wish on Earth.

Thanks and God bless you
I await your urgent reply.
Regards,
Mrs.Karen Olsen

www.lottery1589@libero.it	1:43 AM (9 hours ago)
to undisclosed recipients

Why is this message in Spam? It's similar to messages that were detected by our spam filters.  Learn more

French

English

 

Translate message

Turn off for: French

FONDATION INTERNATIONALE BILLGATES
DIRECTION DE LA PROMOTION DE L'INTERNET ET DU JEUX DIRECTION DE LOTERIE
LOTERIE INTERNATIONALE BILL GATES
Réf. Nombre : 28/756/4007
Numéro de lot : 48 00 1547-CE66
Numéro de gain : AB 154C
Monsieur/Madame
Nous sommes heureux de vous informer du résultat des programmes internationaux de gagnants de loterie tenus il y a deux jours de cela à notre siège sis à New York.
Votre adresse d'E-mail attachée au billet le numéro 9570015948-6410 avec le numéro de série 3648042- 510 a dessiné des numéros chanceux 4-14-66-71-07-36qui en conséquence gagne dans la 1ère catégorie .250.000¤ (Deux cent cinquante Mille euro).
PROCEDURE DE REMISE DE GAIN
Veuillez envoyer par mail les informations vous concernant sous 48 heures a l’adresse électronique de Maître YVE LAFONT huissier chargé de vous indiquer les conditions générales de remise de votre gain
Email : huissier.maitre_lafont@yahoo.fr
FORMULAIRE GAGNANT MICROSOFT WINDOWS LOTERIE
Nom………………………………………
Prénoms ………………………………..
Pays……………………………………..
VILLE……………………………………….....................
Code postal…………………………….
Adresse Géographique……………...
Tel/Fixe………………………………….
Email…………………………………….
Profession………………………………
Nationalité :……………………………..
Afin d'éviter certaines erreurs, nous vous rappelons de citer votre numéro de référence et numéros de lot dans le courrier que vous ferez parvenir à notre direction qui sont :Réf. Nombre : 28/56/4007Numéro de lot : 48 00 1547-CE66
Ci joint le formulaire gagnant
Note : Quiconque sous l'âge de 18 ans est automatiquement éliminé.
Bien à vous,
La Directrice des Opérations
Madame ISABELLE CHEVALIER

FONDATION_MICROSOFT_INTERNATIONALE_BILLGATES LOTERIE.pdf 201K   View   Download Mrs. Suzanne T. Mubarak  8:51 AM (2 hours ago) to undisclosed recipients My Dear Friend, I sent you this email about two weeks ago and I got no response, so I am constrained to contact you again. I have instructed Pastor Wilson Duke, to send US $1,200,000.00 to you for your compensation based on your assistant in the past which later failed. Write or call him on 00229-9567-8716 now or send message through his Email:( rev.wilsonduke@laposte.net ) for him to send the money to you, although my new partner is not happy that we have to allocate such amount to you bearing in mind your attitude toward the transaction by the time your help is urgently needed. Regards, Yours sincerely Sister. Yahoo!  11:01 AM (0 minutes ago) to undisclosed recipients Be careful with this message. Many people marked similar messages as phishing scams, so this might contain unsafe content.  Learn more YAHOO! & MICROSOFT CLASSIC AWARD No. 701 First Avenue, Sunnyvale, California, United States Of America U.S.A. P.O. Box 94089. CONGRATULATIONS! Dear E-mail User, THIS IS A GENUINE AWARD FROM YAHOO, GMAIL, HOTMAIL, AOL ETC BRINGING TO YOUR NOTICE THAT YOU HAVE WON THE SUM OF ONE MILLION UNITED STATES DOLLARS (US$1,000,000.00) IN THE INTRODUCTION OF THE NEW YAHOO MAIL VERSION. YOUR EMAIL ADDRESS IS AMONG THE FIVE LUCKY WINNERS AFTER CARRYING OUT THE ELECTRONIC BALLOT SYSTEM (E.B.S) IN A RANDOM SELECTION METHOD YOUR E-MAIL AND NAME WAS SELECTED, CONGRATULATIONS! YOUR PAYMENT APPROVAL FILE HAS BEEN SENT TO LONDON, UK DUE TO THERE ARE THREE LUCKY WINNERS FROM THERE AND YOU WILL BE PAID AMONG WITH THEM, SIMULTANEOUSLY TO AVOID TOO MANY PROTOCOLS. .................PAYMENT OF PRIZE AND CLAIM................... YOU ARE TO CONTACT THE CLAIMS CONSULTANT WITH THE DETAILS BELOW: MRS. ROSE YOUNG E-MAIL: roseyoung1023@yahoo.com YOUR IDENTIFICATION NUMBERS ARE: BATCH NUMBER......YF/BMC/EBS-AF234 REFF NUMBER.........INT/UNT-10011/197AF WINNING NUMBER..YMC-LUK/7AF07 FILL YOUR PERSONAL INFORMATION: FULL NAME.................... COUNTRY......................... CONTACT ADDRESS............. PHONE NUMBER.................. MARITAL STATUS................. OCCUPATION........................ AGE.......................... SEX............................. KINDLY SEND YOUR IDENTIFICATION NUMBERS AND YOUR PERSONAL INFORMATION IMMEDIATELY IF YOU WANT HER AND THE ASSIGNED BANK TO PAY YOU. WARNING: KEEP THIS INFORMATION PRIVATE AND CONFIDENTIAL UNTIL YOU RECEIVE YOUR MONEY FOR SECURITY REASONS. YOURS SINCERELY, MR. JOHN KREMER (YAHOO MAIL VICE PRESIDENT)

05/05/2013

Mr.Joseph Kabore	9:33 AM (0 minutes ago)
to shujaathahmed

Good day! I am Mr.Joseph Kabore director auditing and accounting department" bank of Africa (boa) Ouagadougou, Burkina Faso .I discovered the sum of seven million, two hundred thousand dollars (usd7.2) belonging to a deceased customer of this bank the fund has been lying in a suspense account without anybody coming to put claim over the money since the account owner late, Mr Salla khat from Lebanese who was involved in the December 28th 2007 Benin car crash. it is therefore, upon this discovery that i decided to take this ultimatum and make this business proposal to you as the fund will be release to you as the next of kin or relation to the deceased for safety and subsequent disbursement since nobody is coming for it and i don't want this money to go into the bank treasury as unclaimed bill the banking rules here stipulates that if such money remained unclaimed after seven years, the money will be transferred into the bank treasury as unclaimed fund. The request of foreigner as next of kin in this business is occasioned by the fact that the deceased customer was a foreigner and a Burkina be cannot stand as next of kin to a foreigner. Therefore, I am soliciting for your assistance to come forward as the next of kin. I have agreed that 40% of this money will be for you as the beneficiary respect of the provision of your account and service rendered, 60% will be for me. Then immediately the money transferred to your account from this bank, I will proceed to your country for the sharing of the fund. Yours faithful, Mr.Joseph Kabore

Yahoo! Depatment Team	9:11 AM (23 hours ago)
to undisclosed recipients

B

Mrs. Scot Grey	1:24 PM (19 hours ago)
to undisclosed recipients

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--
Dear Friend,

I have to thank God this moment for his direction as regards this mission.
God want me to complete this mission hence, I got your contact.I know you
maybe wondering how I got your contact email.

Actually when I heard from the doctor that my condition has become so
critical, I had to reach out to a Christian Sister, who assisted me in
searching for your contact in order to help me utilize this wealth the way
I am going to instruct herein, and even the sister that helped me in this
regard doesn't know the purpose for which I intend to contact you. I have
prayed about it and it has been revealed to me that you can make judicious
use of the resources for its intended purpose.

I am currently sending you this mail from my sick bed in the hospital.My
husband earned these funds (10,800,000.00 USD) but he died in a plane crash
and left everything behind for me and I will join him soon due to my ill
health. Due to my infertility resulting from medical problems I became
barren. God has a reason for everything. I would want you to contact my
lawyer; he will inform you on what to do.Contact him with the below
details:

Barrister Peter Clark
Email: peterclark-lawyerfirm.co.uk1@thedaniex.com

Ensure to use a greater portion of the funds for its purpose in fulfillment
of my last wish.

You are Blessed.

Dear Customer, Dear yahoo user  Click here to secure your account from fraudulent activity. Thank you for using Yahoo! Mail. Regards. rbitransfer35@libero.it  May 4 (1 day ago) to undisclosed recipients The Foreign Exchange Transfer  Department Reserve Bank of India has decided to bring to your attention, that you were listed as a beneficiary in the recent schedule for payment of outstanding debts which you made since 2012 according to your file record with your email address, Your payment is categorized as: Contract type: Undelivered Lottery fund Reserve Bank of India (RBI) Governor, Dr D. Subbarao and Ban Ki-moon Secretary- General of the United Nations Have agreed to refund you please check your mail and open the attachment fill the form for immediate transfer of your money: rbindia@live.com RBI_PAYMENT_NOTIFICATION.docx 51K   View   Download   Payment file: RBI-DEL/id1033/13 Recovered Amount: £500,000.00 Great British Pounds. RESERVE BANK OF INDIA OFFICIAL PAYMENT NOTIFICATION     Attn: Beneficiary, The Foreign Exchange Transfer Department Reserve Bank of India have decided to bring to your attention, that you were listed as a beneficiary in the recent schedule for payment of outstanding debts incurred by the UNITED KINGDOM LOTTERY PROMOTION COUNCIL  pending since 2007 to 2013 according our your file record with your email  id, your payment is categorized as: Contract type: Unpaid Lottery Inheritance fund/ Undelivered Lottery fund/ Recently on the 3rd day of January 2013 The Reserve Bank of India (RBI) Governor, Dr D. Subbarao and Ban Ki-moon Secretary-General of the United Nations with  Dr Peter Joseph of UK Lottery Promotion Council ,  met with the Senate Tax Committee on Finance RBI Mumbai/Delhi branch, regarding unclaimed funds which have been due for a long run.  At the end of the meeting, (RBI) Governor, Dr D. Subbarao mandated all unclaimed funds to be released back to UK Lottery Promotion Council, for subsequent payment directly to the beneficiary stating that it is an unfair practice to withhold funds to government treasury, for one reason or the other for tax accumulations. The United Kingdom Lottery Promotion Council has instructed their fiduciary bank to credit your winning amount directly to you in an ATM card to curb the Govt. Tax reasons. Please you are advised to fill the form below and send it immediately to our transfer department for verification through email below for prompt collection of your fund. Manager Name Mr. Bob Wilson in charge of foreign exchange department E-mail:  rbindia@live.com Fill The Form Below: 1. Full Names:            2. Residential Address: 3. Mobile Number: 4. Fax Number: 5. Occupation:  7. Sex: 8. Age: 9. Nationality: 10. State: 11. Marital Status: 12. E-mail id:  13. Bank Name: 14. Account Number: 15. Account Holders Name: 16. Bank Branch: 18. Any other winning proof: 19. Any payment made in the past to recover winning price? Yes/ No. (Specify amount if yes)              Dr. D. SUBBARAO.     RESERVE BANK OF INDIA                GOVERNOR   Accept my hearty congratulations once again!  Your’s faithfully,  Dr.  D. Subbarao RESERVE BANK OF INDIA (CENTRAL BANK) CONTACT TRANSFER DEPARTMENT                                      EMAIL:  rbindia@live.com                                     Claim Your   (500, 000.00 GBP) NOTE: If you are not the rightful owner of this E-mail Address Please don't reply to this message, for any double claim will lead to Disqualification of this Fund Be Warned!!! You are to keep all information away from the general public for security reasons. Mr Ming Yang  2:32 AM (6 hours ago) to undisclosed recipients -- am ming yang,i work with international Institute of Hang Seng Bank Ltd Hong Kong.I have a deal in my office for more info  contact me

cocaw12013_201380_25@libero.it	7:50 PM (12 hours ago)
to undisclosed recipients

1.docx 135K   View   Download

PO Box 1010, Liverpool
L70 1NL, United Kingdom,

                                  
Dear Lucky Winner,
This is to inform you that you have won a prize money of £500,000.00(Five Hundred Thousand Pounds) for the Yearly Coca-Cola Lottery promotion United Kingdom which is organized by Coca-Cola in conjunction with Chevron Texaco Oil and Gas Company, “Your Email Address" were selected through a computer ballot system drawn from Nine hundred thousand email from Canada, Australia, United States, Asia, Europe, Middle East, Africa and Oceanic as part of our international promotions program which is conducted annually, we have only selected 20 people as our winners, through electronic ballot System without the winner applying.

These are your identification numbers:
Ticket Number: 011425896/2013
Serial Number: 3872/506
Lucky Numbers:7/4/88/28/01/40

VERIFICATION AND FUNDS RELEASE FORM: MAKE SURE YOU SEND THIS DETAILS TO THIS EMAIL(ukclaimprize915@live.com

---------------------------------------------------------------------

1. Full name:

2. Address:.

.MAKE SURE YOU SEND THIS DETAILS TO THIS EMAIL (ukclaimprize915@live.com)FOR THE RELEASE OF YOUR FUND IN TIME.

3. Sex

4. Age:

5. Telephone Number:

6. Occupation:

7. State:

8. Country:

To file for your claim, please fill and submit your verification form to our Foreign Service manager immediately via email.
DR. HENRY  K.
Foreign Service Manager
Coca-Cola Lottery (Pty) Ltd.
Tel: +447010065855
Email: ukclaimprize915@live.com

I want to Congratulate You In Advance and Please Do Not Forget to Help the Poor In the Society When Coca-Cola Makes You a Beneficiary Of their World Of Wealth.

Congratulations once again on your winnings!!!
Yours Faithfully,
DR. HENRY  K.
For the Chief Executive Officer (CEO)
Coca-Cola Lottery Company

MR. DAVID SANTOS	May 3 (2 days ago)
to undisclosed recipients

Be careful with this message. This message may not have been sent by: mrdsantos01@gmail.com. Similar messages were used to steal people's personal information.  Learn more

From: Mr. David Santos
18 Sun height Randburg East
Johannesburg South Africa

                                   US$31.5M INVESTMENT PROPOSAL
Dear Friend.

This may appear a bit surprising to you but very beneficial as a matter of urgency, I am desperately looking for a foreign partner Investor, whom I can trust to handle some investment and fund movement. I am Mr. David Santos
the son of late Mr. Larry Santos, who was murdered by the Zimbabwean veterans and irate black people. I am writing from Johannesburg South Africa.

I write to solicit for your special assistance to a family shattered by a tyrannical government led by a dictator and his (ZANU-PF) ruling party-president Robert Mugabe. Because of land and farm land crisis in Zimbabwe, the government secretly sponsored the war veterans and some irate party members to dispossess the land being occupied by white farmers.

This action has led to the killing of some members of opposition party including my father Mr. Larry Santos. But before the death of my father, he anticipated some dangers and so he deposited the sum of US$31,500,000.00 (Thirty-one Million, Five Hundred Thousand United States Dollars) in a reputable security company in South Africa with the intention of using it to open fertilizer manufacturing company.

The war veterans and some supporters of (ZANU-PF) ruling party Trooped into our compound and axed him (my father) to death. But I managed to escape to a neighboring country South Africa as a political asylum seeker (Refugee) but my Refugee position here in South Africa does not permit me to open an account or run any huge legal financial business to the permit rules and regulation in South Africa Refugee law.

That is why I want this fund to be transferred into your private account overseas, so that you will assist me to invest it in your country. Hence, if you agree to assist me to claim the fund from the security company, I will offer you 30% of the money for your assistance, while 70% will be for my investment in your country through your assistance. You may wish to read about the problem in my country Zimbabwe through the following links: http://news.bbc.co.uk/1/hi/world/africa/918781.stm

Upon your immediate response, I will immediately arrange and send to you all the information's that will empower your good self in finalizing the transaction with the security company here in South Africa. I need your urgent and confidential response.

Yours Truly,
Mr. David Santos

Mrs Wend Toore	12:13 PM (20 hours ago)
to shujaathahmed

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Good day! I am Mrs Wend Toore auditing and accounting department" bank of Africa (boa) Ouagadougou, Burkina Faso .I discovered the sum of seven million, two hundred thousand dollars (usd7.2) belonging to a deceased customer of this bank the fund has been lying in a suspense account without anybody coming to put claim over the money since the account owner late, Mr Salla khat from Lebanese who was involved in the December 28th 2007 Benin car crash. it is therefore, upon this discovery that i decided to take this ultimatum and make this business proposal to you as the fund will be release to you as the next of kin or relation to the deceased for safety and subsequent disbursement since nobody is coming for it and i don't want this money to go into the bank treasury as unclaimed bill the banking rules here stipulates that if such money remained unclaimed after seven years, the money will be transferred into the bank treasury as unclaimed fund. The request of foreigner as next of kin in this business is occasioned by the fact that the deceased customer was a foreigner and a Burkina be cannot stand as next of kin to a foreigner. Therefore, I am soliciting for your assistance to come forward as the next of kin. I have agreed that 40% of this money will be for you as the beneficiary respect of the provision of your account and service rendered, 60% will be for me. Then immediately the money transferred to your account from this bank, I will proceed to your country for the sharing of the fund. Yours faithful, Mrs Wend Toore IRREVOCABLE PAYMENT ORDER VIA ATM VISA CARD  12:52 PM (19 hours ago) to undisclosed recipients Be careful with this message. Many people marked similar messages as phishing scams, so this might contain unsafe content.  Learn more KINDLY HURRY NOW TO CLAIM YOUR FUND USD$2,000,000.00 MILLION DOLLARS VIA ATM CARD R.S.A.FINANCIAL INTELLIGENCE CENTRE PAYMENT LETTER!! (1).doc 327K   View   Download

FINANCIAL INTELLIGENCE CENTRE (FIC)

REPUBLIC OF SOUTH AFRICA

Annex Office, No: 7 Kikuyu Road Sunninghill Sandton Gauteng South Africa

 

Dear Email Owner/Fund Beneficiary,

IRREVOCABLE PAYMENT ORDER VIA ATM VISA CARD

I have been waiting for you since to contact me regarding your winning amount of $2,000,000.00 (Two Million United State Dollars) loaded on your ATM Visa Card which we discussed. We are duly interred switched. Therefore you can make withdrawal in any location of ATM Machine Centre Cash point of your choice in any part of the world and the maximum you can withdraw a day is USD$5,000 Dollars, but I did not hear from you since that time. Then I went and deposited the package ATM CARD with Express Courier company, Johannesburg South Africa as I travelled out of the country for a short Course and I will not come back till end of first quarter of the year 2013.What you have to do now is to contact the Express Courier Security company as soon as possible to know when they will deliver your package to you because of the expiring date.
 
For your information, I have paid for the Clearance Certificate Fee neither of the ATM CARD showing that it is not a drug Money nor to sponsor Terrorist attack in your Country. The only money you will pay to the Courier Company to deliver your ATM CARD direct to your postal Address in your country is ($185) only being their Security Keeping Fees of the Courier Company so far.
 
Again, Don't be deceive by anybody to pay any other money except $185 United States  I would have paid that but they said no, because they don't know when you will contact them and in case of demurrage. You have to contact the Express Courier Company manager for the delivery of your ATM CARD package with this information below immediately.
 
HERE IS THE COURIER COMPANY INFORMATION'S.
COURIER NAME: EXPRESS DIPLOMATIC COURIER COMPANY LTD
CONTACT PERSON: MR. PAUL JOHN VUSI
POSITION: FOREIGN DELIVERY DEPARTMENT.

EMAIL:      atmcardparceldeliver@gmail.com
E-MAIL:    expressdiplomaticcouriercompany@rocketmail.com
Mobile:        +27-784-444-761

Telephone:   +27 -110-260-419

 Fax:             +27-862-337-596

Finally make sure that you reconfirm your details below to them to avoid any mistakes on the delivery

1. Your Full Name: 

2. Address Where You Want the Courier Company to Send Your ATM Card Parcel

    To or (P.O Box): Note You Will Pay The Courier Deliver Fee Before Your Parcel Will Dispatch

3.  Sex.

4. Security Code: and A Scan Copy of Your Inter Passport  

5. Cell/Mobile Number:

6. (Indicate NO/ Yes:  I Will Pay the Courier Deliver Fee  

Ask them to give you the information on how to make the security keeping fees of US$185 Dollars which you have to pay to them and after making the payment you ask them for  the tracking number to enable you track your package over there and know when it will get to your address. Let me repeat again, try to contact them as soon as you receive this massage to avoid any further delay and remember you are to pay them their Security keeping fees of $185 ONLY for the immediate delivery of your ATM CARD.
 
As a matter of facts, make sure as the rightful beneficiary of the ATM CARD package of $2,000,000.00 (Two Million United State Dollars) you must contact them by indicating the code (266101234) so that they can find it and pick up immediately as they have it in their record.
 

Please Be Warned, we advice you to stop all the communications you are having with any other Agent or bank officials in Europe, Asia and Africa regarding to your payment.

Thanks for your understanding as you follow instructions.

Yours in Services.

MRS. AMANDA NKOSI 

PUBLIC INFORMATION OFFICER.

(FIC) REPUBLIC OF SOUTH AFRICA.

HSBC BANK U.K	May 3 (2 days ago)
to undisclosed recipients

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Congratulation you won the Sum Of {85LAKHS RUPEES} in the Hsbc Bank United
Kingdom London(H.B.U.K.L) held on the month of May 2013.You have to
send your E-Mail I.D to(hsb_claimsdepartment01@hotmail.com)

1.Name:
2.Address:
3.Mobile Number:
4. Sex:
5.Country:
(CONTACT EVENTS MANAGER E-MAIL FOR CLAIMS AWARD)
Name: Mr Mark Jude
Email: hsb_claimsdepartment01@hotmail.com
Enquiring Hotline +44 701 004 7854

Foreign Exchange Transfer Department	11:11 AM (21 hours ago)
to info

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PLEASE, FIND THE ATTACHED FILE AND FILL THE FORM CORRECTLY FOR CLAIMS..

RESERVE BANK OF INDIA.doc 273K   View   Download

106 GROSVENOR SQUARE

NEW DELHI W1A 1AE

INDIA

Customer services,

Payment file: RBI-DEL/id1033/13.

Payment amount: $ 500,000. us dollars.

RESERVE BANK OF INDIA OFFICIAL PAYMENT NOTIFICATION    

Attn: Beneficiary,

The Foreign Exchange Transfer  Department Reserve Bank of India has decided to bring to your attention, that you were listed as a beneficiary in the recent schedule for payment of outstanding debts incurred by the BRITISH GOVERNMENT pending since  2011  to  2013  according to your file record with your email address, Your payment is categorized as:

Contract type: Lottery/inheritance/ unpaid contract funds/ Undelivered Lottery fund/

Recently on the 5th of May, 2013. The Reserve Bank of India (RBI) Governor, Dr D. Subbarao and Ban Ki-moon Secretary-General of the United Nations met with the Senate Tax Committee on Finance RBI Mumbai/Delhi branch. Regarding unclaimed funds which have been due for a long run, at end of the meeting (RBI) Governor, Dr D. Subbarao  mandate all unclaimed funds to be released back to the beneficiary stating that it is an unfair practice to withhold funds for government basket for one reason or the other for tax accumulations. Therefore, we are writing this email to inform you that ($500,000 US DOLLARS) will be release to you in your name, as it was committed for (RBI) Governor that Beneficiary will have to pay crediting fees only. So you are therefore required to pay 16,500 INR ONLY in cash deposit. To credit your account immediately making a decline for 7 working days after date of receiving this mail. Also reconfirm your details- for crediting

Please you are advised to fill the form below and send it immediately   to our transfer department for verification through email below for prompt collection of your fund. Manager Name DR. Steven Ford in charges of foreign exchange E-mail: rbi.reservedept@underpaid.co.in

Fill The Form Below:

1. Full Names:       

2. Residential Address:

3. Mobile Number:

4. Fax Number:

5. Occupation: 

7. Sex:

8. Age:

9. Nationality:

10. Country:

11. Marital Status:

12. E-mail id:

13. Bank Name:

14. Account Number:

15. Account Holders Name:

16. Bank Branch:

                            

                                                      

RESERVE BANK OF INDIA (CENTRAL BANK).
CONTACT TRANSFER DEPARTMENT 

EMAIL: rbi.reservedept@underpaid.co.in

                                    Claim Your ($500, 000.00) United State Dollars.

NOTE: If you are not the rightful owner of this E-mail Address

Please don't reply to this message, for any double claim will lead to

Disqualification of this Fund. Be Warned!!!

You are to keep all information away from the general public for security reason

DR D. SUBBARAO.

RESERVE BANK OF INDIA

          GOVERNOR.

 

Accept my hearty congratulations once again! 

 Your’s faithfully,

 Dr D. Subbarao

mr curtis stuot	May 4 (1 day ago)
to undisclosed recipients

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Fund Manager:Mr.Curtis Stout.
The Mercantile Investment Trust plc.

I am Mr.Curtis Stout. one of The Portfolio manager of The Mercantile Investment Trust plc.

A group of JP Morgan INVESTMENT INTERNATIONAL. I handle all Investor within my management

portfolio Direct Capital Funds (there investment funds).
I have the sum of (Thirty seven million, six hundred thousand Pound Sterling) Now, I am

looking for someone who I can trust to stand as an Investor to receive the fund as Annual

Investment Proceeds from The Mercantile Investment Trust plc. All legal documents to back

up the claims will be made available to you prior to your acceptance.If you are

interested,
I am looking forward to hear from you sonnest Respond (mrcs23344@outlook.com)

Sincerely.
Mr.Curtis Stout.
mrcs23344@outlook.com

cocaworldzone.uk@libero.it	May 4 (1 day ago)
to undisclosed recipients

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1.docx 67K   View   Download

PO Box 1010, Liverpool
L70 1NL, United Kingdom,

                           
Dear Lucky Winner,
This is to inform you that you have won a prize money of £500,000.00(Five Hundred Thousand Pounds) for the Yearly Coca-Cola Lottery promotion United Kingdom which is organized by Coca-Cola in conjunction with Chevron Texaco Oil and Gas Company, “Your Email Address" were selected through a computer ballot system drawn from Nine hundred thousand email from Canada, Australia, United States, Asia, Europe, Middle East, Africa and Oceanic as part of our international promotions program which is conducted annually, we have only selected 20 people as our winners, through electronic ballot System without the winner applying.

These are your identification numbers:

Ticket Number: 011425896/2013

Serial Number: 3872/506

Lucky Numbers:7/4/88/28/01/40

VERIFICATION AND FUNDS RELEASE FORM:

1. Full name:    

2. Address:

.MAKE SURE YOU SEND THIS DETAILS TO THIS EMAIL (cocaworldzone@hotmail.com)FOR THE RELEASE OF YOUR FUND IN TIME.

3. Sex:

4. Age:

5. Telephone Number:

6. Occupation:

7. State:

8. Country:

Dr. Ferguson Andrew
Foreign Service Manager
Coca-Cola Lottery (Pty) Ltd.
Tel: +447010085209
Email: cocaworldzone@hotmail.com

 I want to Congratulate You In Advance and Please Do Not Forget to Help the Poor In the Society When Coca-Cola Makes You a Beneficiary Of their World Of Wealth.

Thabo Nkosi Mavuso	May 2 (3 days ago)
to undisclosed recipients

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Sir,

After reading your profile, I decided to contact you with the proposal of funds re-profiling, investment in Oil, Gas and precious metals and stones such as gold and diamond. For the diamonds, they are in stock; and I hold a diploma in rough diamond evaluation. I have the funds to pursue any of the above stated investment. But I am still actively serving with Tender Board Commission. It is vital you contact me via email to enable us discuss further.

Thank You,

Thabo Mavuso

hevrolet	May 1 (4 days ago)
to undisclosed recipients

You Have Won

Mr Mathew Nana	May 2 (3 days ago)
to undisclosed recipients

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Greetings Friend,

My name is Mr. Matthew Nana, 42 years Old Ghanaian National married with two children.  I work as a
Record Officer with Standard Security Company Ghana Limited in Accra-Ghana.  I earn salary of 800.00
Ghana Cedes ($500 United State Dollars) equivalent monthly. I joined the services of this company in
1991 as office assistance. I got the information concerning you from the Internet and after due
research on your profile I decided to contact you believing that by the grace of GOD that you will
accept to be my partner in this deal.

I have been working with this company for over twenty years.  Within this period, I have watched
with meticulous precision how African Heads of State and government functionaries have been using
Standard Security Company Ghana Limited to move huge sums of money USD, pound sterling, French
France-(Cash) to their foreign partners than I decided to use my position to move the unclaimed
consignment boxes that have never claimed here for long.

They bring in these consignments of money cash and secretly declare the contents as jewelers, gold,
diamond, precious stone, family treasure, documents etc. Gen. Sani Abacha of Nigeria (dead), Mobutu
sese seko of Zaire (dead), Foday Sankoy of Siera-Leone, Babangida of Nigeria, Felex Houphet Buigny
of Ivory Coast (dead), Kanan Bedie of Ivory Coast etc, and all these people have hundreds of
consignment deposited with my office.

Their foreign partners, friend; and relatives, are claiming most of these consignments.  A lot of
them are lying here unclaimed for as much as 15 years now.

Nobody will ever come for them because in most cases, the documents of deposit are never available
to anybody except the depositors-most of them are dead.

Since the inception of the 2000 millennium, our company Management changed the procure of claims of
Consignments, as soon as you are able to produce the secret information as contained in the secret
of any consignment, it will be released to you upon demand.  From our record, more than 160
consignment belonging to Gen. Abacha /Mobutu Sese Seko, has been  claimed in the past six months,
this is why I am soliciting for your co-operation and assistance, Gen. Abacha has 106 consignment,
deposited with several names and codes.  64 have been claimed in the past six months. Since his
eldest son is dead in plane crash and the second son is facing trial for murder and embezzlement,
the family members are under restricted arrest without communication.

I have finished every arrangement for you to come and claim consignment No.SSS/AM02/1203 containing
US$5,800,000.00 (five million eight hundred United States dollars) only my duty is to supply you
with all the information and documents by fax, you will deal with the management directly. The
procedure is simple: - Apply officially to the director of operations of Standard Security and
Services Ghana Limited for the release of consignment with the security I will provide to you
EXAMPLE, No.SSS/AM02/1203.  They will demand some documents and secret code contact me immediately,
I'll supply you every details information about the consignment.  And you fax it to them.  As soon
as they confirm it to be correct, they will invite you in for the collection or arrange with you how
to deliver it to your home. I will suggest upon conclusion, we share 50% for you, of this
transaction while 50% after deducting any expenses we might incur in the course. You can reach me on
my private email address mr.matthewnana@gmail.com with your personal details and contacts.

I am at least to furnish you with explanations and directives on the procedure.

God bless you.

Thanks.

Mr. Matthew Nana

RESERVE BANK OF INDIA	May 3 (2 days ago)
to undisclosed recipients

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OPEN  ATTACHMENT

----------------------------------------------------------------
This message was sent using IMP, the Internet Messaging Program.

Reserve Bank of India.docx 118K   View   Download                                                      6, Sansad Marg, New Delhi - 110001, India.                                         RESERVE BANK OF INDIA OFFICIAL PAYMENT NOTIFICATION Payment File: RBI-DEL/Id1033/11. Payment Amount: (£500,000.00 GBP) equivalent to (43,421,815.86 INR) Attention Beneficiary, The Reserve Bank of India has decided to bring to your attention, that you were listed as a beneficiary in the recent schedule for payment of outstanding debts incurred by the BRITISH GOVERNMENT pending since 2009 to 2013 According to your file record with your email address your payment is categorized as: (Contract type: Lottery /inheritance/ unpaid funds/Undelivered Lottery fund) Recently on 31st January 2013 The Reserve Bank of India (RBI) Governor, Dr .D. Subbarao and Ban Ki-moon Secretary-General of the United Nations met with the Senate Tax Committee on Finance RBI Mumbai/Delhi branch, regarding unclaimed funds which have been due for a long run, at the end of the meeting, the Reserve Bank of India (RBI) Governor, Dr D. Subbarao mandate all unclaimed funds to be release back to the beneficiary stating that it is an unfair practice to withhold funds in government account for one reason or the other for tax accumulations. Therefore, we are writing this email to inform you that (£500,000.00 GBP) equivalent to (43,421,815.86 INR) only will be release to you in your name as concluded by the board. It was also committed by (RBI) Governor that Beneficiary will have to pay the crediting fees only. So you are therefore required to pay Rs17, 500 (Seventeen Thousand Five Hundred India Rupees Only) in cash deposit for approval and crediting fees. Also confirm your details below for crediting. Please you are advised to fill the form below and send it immediately to our foreign exchange transfer department for verification.   Contact Foreign Exchange Transfer Department with the below details         Mr. Stewart James: - Head Assigned Foreign Exchange Transfer department  Email: rbipaymentcontact@gmail.com Requirements are: 1. Name: 2. Address: 3. Age: 4. Sex: 5. Occupation: 6. Tel/Cell Phone Number: 7. State 8. Country of Residence: 9. Nationality: 10. Bank Name: 11. Account Number: 12. Account Holders Name: 13. Bank Address: 14. Alternative Email Address: The RBI order that the Transfer Approval and crediting fee is to be paid to the Foreign Monitoring Department before your funds can be transfer successfully and as stated in sec 3 of page 101 (RBI) law initiative that the minimum crediting fees you will have to deposit for the total sum of your amount is Rs.17,500/.This amount for crediting fee is REFUNDABLE and will be credited & added to your account in addition to your [43,421,815.86 INR].This unit is the authority in charge to endorse your fund transfer Certificate & Fund Release Order Authorizing to enable us Transfer immediately the sum of £500,000.00 British Pounds Sterling which is equivalent to [43,421,815.86 Indian Rupees] to your bank account. in our next e-mail an account information and a telephone number will be send to you and directions on how you can make the required processing approval/crediting fee payment of Rs17, 500 (Seventeen Thousand Five Hundred India Rupees Only). You need to make this payment before your full amount will be transferred to your bank account. Please Note that by confirming the above listed information means you’re accepting to pay the required processing/crediting charges. Regards Dr. D. Subbarao. Reserve Bank of India (RBI)

vortex	May 2 (3 days ago)
to undisclosed recipients

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Kindly download and read attachment for details.

NOKIA ANNUAL PROMOTION.doc 37K   View   Scanning for viruses... NOKIA CO-OPERATION UNITED KINGDOM Nokia House. Summit Avenue Southwood Farnborough Hampshire GU14 0NAG. United Kingdom. Dear Winner, This is to inform you that your email have been selected for a cash prize of Seven Hundred Thousand Great British Pounds Sterling from Nokia Mobile Award. You are to contact our claims agent vie email: remmittancedept1@dot.net and provide him with the below details for claims; Claims Requirements: 1. Full Name: 2. Address: 3. Age: 4. Sex: 5. Occupation: 6. Mobile Number: 7. State:                                                                                                              8. Country: Congratulations once again. Dr. Steven Dominic. Online Co-ordinator.