General Awareness For All: March 2011

Thursday, March 31, 2011

Insurance Foundation Certificate Examination Course at Dammam - Willis Saudi Arabia (Multinational Insurance Broker)

Direct Link to The Institute of Banking for Free Information and Material in English.

Free Insurance Foundation Certificate Examination English Material Source

Excellent and strong team of Willis Saudi Arabia - during the four day training session for IFCE examination by Mr. Mohammed Sadullah Khan, Chartered Insurance Practitioner, Faculty Member, Institute of Banking at Ramada Hotel, Al-Khobar.

Starting from left - Mr. Mirza Shafatulla Baig, Branch Manager, Jeddah, Mr. Mohammed Sadullah Khan, Faculty Member, Riyadh Mr. A. Jagannathan, Assistant General Manager, Al-Khobar Mr. Johnson Kodiat, Al-Khobar, Assistant Manager, Mr. Jupitar Baskaran, Jeddah Branch.

Starting from left - NITIN ABRAHAM,ALI NASSER AL HADRY,MOHD ASHRAFUDDIN,PHILIP DUNN, NOUSHAD HAMEED, MIRZA SHAFATULLA BAIG , JOHNSON KODIAT, MOHAMMED SADULLAH KHAN, MOHAMED ARIF,RADHAKRISHNA PILLAI, MOHD KALEEM KHAN, ISHAG TESFAMICHAEL, JUPITER OHLM BASKARAN, MOHD ABU FAISAL, A. ABDUR RAHMAN, CHERIAN C JOHN (not in the picture).

Course Content & Syllabus:

Module 1: To understand how Insurance operates

1.1 To understand the meaning of risk

1.2 To have knowledge of the categories of risk

1.3 To understand insurable risks

1.4 To have knowledge of uninsurable risks

1.5 To understand how insurance transfers risks

1.6 To understand how insurance operates through the pooling of risk

1.7 To understand and distinguish perils and hazards

1.8 To understand the benefits of insurance

1.9 To be aware of the purpose of reinsurance

1.10 To be aware of co-insurance and self-insurance

1.11 To have knowledge of how an insurance company operates.

Module 2: To understand the principles underpinning Insurance practice

2.1 To understand Utmost Good Faith

2.2 To understand Insurable Interest

2.3 To understand Indemnity

2.4 To understand Subrogation

2.5 To understand Contribution

2.6 To understand Proximate Cause

Module 3: To have knowledge of the Regulations of Insurance in Saudi Arabia

3.1 Why the insurance and protection/savings industry needs to be regulated.

3.2 An historical background and the birth of a new industry in the Kingdom

3.3 Regulation of insurance in the Kingdom of Saudi Arabia

Module 4: To understand the procedures required to underwrite risks.

4.1 To understand the need for material facts

4.2 To understand physical and moral hazards and the use of warranties

4.3 To have knowledge of the need for and content of proposal forms and broker’s slips

4.4 To have knowledge of the need for and the content of surveys

4.5 To understand quotations

Module 5: To understand the insurance market and its place in the economy

5.1 To understand the structure of the insurance market and how buyers can be classified

5.2 To have knowledge of the differences between types of insurance intermediaries

5.3 To be aware of the distribution channels

5.4 To be aware of the role of ancillary players in the insurance
Module 6: To understand the need for documentation

6.1 To understand the content of proposal forms and the content and structure of policy forms

6.2 To have knowledge of the need for and the content of warranties and endorsements

6.3 To have knowledge of cover notes and certificates of insurance and understand the differences between them

6.4 To have knowledge of the need for and the content of claim forms

6.5 To have knowledge of the need for and the content of renewal invitations

Module 7: To understand Market Code of Conduct Regulation

7.1 Introduction to MCCR ( Market Code of Conduct Regulation)

7.2 General Requirements

7.3 Conduct Standards

7.4 Appendix

The Institute of Banking is a pioneering Institution engaged in Banking and Insurance education. It has provided the material free of cost, which is downloadable at the following site,

http://www.iobf.org/page.aspx?key=exams&lang=en

Wednesday, March 30, 2011

World Cup Cricket Semi-Final Match - Mohali - 2011 India and Pakistan was won by India

India's score 260 for 9 in 50 overs
Pakistan score 231 all out

Congratulations to India.

India has won the match against Pakistan by 29 runs.

Finally the excitement is over and the match is won by India.

Sachin Tendulkar got the Man of Match for a well deserved batting and a score of 85.

On Political side, hope the invitation given to Pakistani leaders will help in improving the bi-lateral relationship between both the countries.

Tuesday, March 22, 2011

Some of the lotteries and offers are they Scams, fraud, phishing or something else

very good

Wednesday, 2 March, 2011 5:22 PM

From:

"Reader's Digest"

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info@division1.biz

READER'S DIGEST INC

293 Park Ave New York NY 10171

(PUBLISHER'S CLEARING HOUSE AND PROMOTION CO)

(UNCLAIMED PRIZE DIVISION.)

Tel: +1-646-301-1987 Ext 1120

CLAIM NUMBER: ROT-7458-D12

NB : FINAL NOTICE

We are pleased to inform you that you are one of the lucky winners in the second category of the Publisher's clearing house and a Compensation Draw Sweepstakes held on JUNE 26, 2010. Entry MP-535-Y345 was attached to your name and matched the first five lucky numbers: 8-29-52-4-78 hence making you a winner! You have therefore been approved for a lump sum of $21,185,000.00 (TWENTY ONE MILLION, ONE HUNDRED AND EIGHTY FIVE THOUSAND DOLLARS) payable to you by Certified Check, Bank Transfer or Visa debit Card and will be delivered to you by our Special Courier Company. To avoid your check getting lost in the mail. Email us your most updated mailing address and phone numbers for easier communication and faster processing.

Reader's Digest, lnc has been contacted by the Publisher's Clearing House to find winners who have not yet claimed their winnings and assists them through the claiming process. Please call your claims agent immediately upon receiving this document to start the claiming process.

CONTACT YOUR FILE AGENT:

Agent Name: Mr. Steve Harmon

Phone: +1-646-301-1987 Ext 1114

Email: stevehharmon@aol.com

The office hours are, Monday -Friday ….7am to 9pm, Saturday..8am to 8pm, (Eastern Standard Time)

N/B: You've probably daydreamed about opening your front door to find the prize patrol waiting outside, ready to hand you the giant check that will change your life forever. Please, do not act on this letter until you speak with your claim agent for further instructions on how to claim your winnings within 10 business days.

Vernon Kimberly

Vice-President, Global Operations

I HAVE SENT YOU THE US$5000.00 AT WESTERN UNION

Saturday, 5 March, 2011 9:55 PM

From:

"Sani Mustapha"

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undisclosed-recipients

Dear Friend,

This is to inform you that according to the investigation carried out here in Burkina-Faso by the African Union Chairman (AUM) However you have compensated with the sum of $750,000.00

Please I am giving this token to compensate you , please accept this Seven hundred and fifty thousand United States Dollars (750,000.00us) as a token from my heart , prior to this, I have told my personal secretary to transfer the (750,000.00us) to you through Wetern Union transfer as soon you contact him with your information to avoid wrong transfer, meanwhile the below is the first US$5000.00 payment information availbale for pick up .

Here is the western union information to pick up theUS$5000.00.

Sender:Name::::::: USMAN ABU

MTCN::::::::: 028-157-5285

Amount:::::::$5,000.00

Text Question: WHAT COLOUR?

Answer: GREEN

Amount: USD 5000.00

I told him to keep sending you $5000.00 daily until the payment of $750,000.00 is completed.

Do not forget to furnish him with the below data for further transfer of the fund to you because i dont know if there is any mistake in this first transfer.

1. Your full Names: ...................

2. Your current cell phone Number:.....

3. Your City: ..........................

4. Your: Country:........................

5. Your Current Age and Occupation:...........

Please,contact :Edun Danial (Foreign Operation Manager) if there is any problem below is the email address (agentofficebf@yahoo.com)

Please contact him now so that he will send you another information of a new transfer , please if You have a problem with the MTCN or the sender Name try to reach him on the below email address so that he will correct the informations to you immediately

Thank you very much,

Sani Mustapha

African Union Chairman

VERY CONFIDENTIAL

Monday, 7 March, 2011 11:05 PM

From:

"Mr.Peter Johnson"
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Hi

I am personal banker to the President of an Arab country whose country

is facing political uprising.I have a very confidential brief from this leader

to ask for your partnership to re-profile some funds totaling US$48,000,000.00

(Forty Eight million US Dollars), for investment in your country.

If you are able to handle this contact me at pet_johnson11@yahoo.com.hk

With warmest Regards

Peter Johnson

Group Director

Lloys TSB

www.lloydstsb.com

+447011153333

your e_mail ID have WON

Tuesday, 8 March, 2011 4:08 PM

From:

"@ONLINE PROMOTION"

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Message contains attachments

1 File (447KB)

• YOU HAVE WON.doc

you are (WINNER N0: 15)

Flag this message

!!! Please response as urgent !!!

Thursday, 10 March, 2011 9:07 PM

From:

"lantony"

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undisclosed-recipients

Dear Friend,

I know that this mail will come to you as a surprise since we have not known or met before now, but please, I would like you to treat it like blood brother affair and with the urgency and secrecy it requires. I am Mr.Tony Aliu, an Audit staff of (B.O.A) Bank Of Africa Burkina Faso.

An investor (name with-held) died without naming any next of kin to his fund he deposited in my bank. The amount is $10.5M (Ten Million Five hundred Thousand Dollars) and banking regulation/legislation in Burkina Faso demands that I should notify the fiscal authorities after three years. The above set of facts underscores my reason to seek your permission to have you stand in as the next of kin to the deceased.

This fund will be approved and released in your favour as the next of kin if only you will adhere to my instruction and cooperate with me in one accord.

I have all the legal and banking details of the deceased client that will facilitate our putting you forward as the claimant/beneficiary of the funds and ultimately transfer of the $10.5M plus interest to any bank account nominated by you.

I am prepared to compensate you with a 35% share of the total funds for your efforts. The final details will be given upon receipt an affirmation of your desire to

Participate.

Please contact me immediately on ( lantonylali01@voila.fr ) if you are interest in my proposal to enable me not to start scouting for another foreign partner.

Thanks.

Mr.Tony Aliu.

From the USARMY Survivor Benefit Plan

Thursday, 10 March, 2011 9:17 PM

From:

"Capt.Sanjay Nangalia"

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Hi,

Your name is in sequence with the names of the descendants of an officer we

are trying to award some financial benefits.

Please contact me on my private email capt.sanjay100@gmail.com for details.

Capt Sanjay Nangalia ,

SBP Monitoring & Control Officer

USArmy Survivor Benefit Plan

www.usarmy.com

Tel:1-323-417-4946

Hi Dear,

Saturday, 12 March, 2011 7:49 PM

From:

This sender is DomainKeys verified

"Adera lsaaq"

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My name is miss Adera.I wish to communicate with you through this medium and i wish my meeting you will not offend you in anyway.I will like us to know our self better,so we can exchange pictures too.Moreover i have very Important issue which is given me lot of concern to discuss with you for assistance.Thanks for your understanding,i will be expecting to read from you soon.

Yours Adera.

PLEASE RESPOND TO US (FROM FRANK AND JANE KIBAKI)

Sunday, 13 March, 2011 11:22 PM

From:

This sender is DomainKeys verified

"Frank Kibaki"

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My name is Frank Kibaki and my Sister Jane Kibaki, we are Kenyan Nationals, but are currently at the refugee camp here in Accra-Ghana.

Please I will like you to assist me and my sister to retrieve and receive our consignment that contains some reasonable amount of value in United States dollars and some quantity of gold and Diamond, which I cannot specify. The consignment is presently in United States.

The consignments got to the United States through a diplomatic delivery company. The fact is that he was supposed to deliver the consignment to a very nice man who agreed to assist us as our guardian over there in United States. When the diplomat got to United States after clearing the consignment from the Airport, he call the man to make arrangement for the delivery, but response he got was that the man had a fatal car accident which lead to his death.

All the demurrages have already been paid by the security company, custom check report has also been paid and he also assisted us in getting the Drug/Anti Terrorist Certificate.

However the consignment has to deposit with a warehouse over there in United States by the diplomat. We have been advised to look for a new beneficiary to receive the consignment. So please I will like you to assist me and my Sister to received the consignment in your country.

If you accept to assist us in being our new beneficiary then get back to me as soon as possible to enable me furnish you with the contact details of the courier agent in United States so you can personally contact him and forward your address to him for immediate delivery of our consignment to you.

We await your urgent response.

Thanks and God bless you

Frank & Jane Kibaki

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Monday, 14 March, 2011 6:47 AM

From:

"lantony"

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Dear Friend,

I know that this mail will come to you as a surprise since we have not known or met before now, but please, I would like you to treat it like blood brother affair and with the urgency and secrecy it requires. I am Mr.Tony Aliu, an Audit staff of (B.O.A) Bank Of Africa Burkina Faso.

An investor (name with-held) died without naming any next of kin to his fund he deposited in my bank. The amount is $10.5M (Ten Million Five hundred Thousand Dollars) and banking regulation/legislation in Burkina Faso demands that I should notify the fiscal authorities after three years. The above set of facts underscores my reason to seek your permission to have you stand in as the next of kin to the deceased.

This fund will be approved and released in your favour as the next of kin if only you will adhere to my instruction and cooperate with me in one accord.

I have all the legal and banking details of the deceased client that will facilitate our putting you forward as the claimant/beneficiary of the funds and ultimately transfer of the $10.5M plus interest to any bank account nominated by you.

I am prepared to compensate you with a 35% share of the total funds for your efforts. The final details will be given upon receipt an affirmation of your desire to

Participate.

Please contact me immediately on ( lantonylali01@voila.fr ) if you are interest in my proposal to enable me not to start scouting for another foreign partner.

Thanks.

Mr.Tony Aliu.

Re: Investment Proposal.

Monday, 14 March, 2011 4:40 PM

From:

This sender is DomainKeys verified

"Perry Hart"

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Hello,

My name is Perry Hart, I work for a stock broker in London , I have been mandated by my colleagues in the office to look for a reliable person we can trust in handling funds accumulated from dividend of STOCKS valued at £5,586,000.00 (Five Million Five Hundred Eighty Six Thousand British Pounds Sterling Only.)

On that note I have decided to contact you, my colleagues and I intends to invest in Property business or any lucrative business in your country with the proceed from the transaction once we have concluded the transaction with you.

I can assure you that this transaction will be beneficial to both parties involved.

I will give you additional information once I get your response.

Awaiting to hear from you.

Yours sincerely.

Perry Hart

From DIFC Authority.

Tuesday, 15 March, 2011 1:34 AM

From:

"loan business proposal"

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From: H.E. Ahmed Humaid Al Tayer

Ex- Chairman/Director (DIFC)

From DIFC Authority.

Re: Funding Participation

Assalam-o-Aleikum :

DIFC are receiving good business proposal or good project plan for loan funding participation under DIFC base on special recommendation on companies or individuals on a private investing,It is not a public financing that is why the management decided to re-invest this fund by putting it into the management of private businessmen and corporations with good business ideas that can generate at least 10% ROI per annum over maximum of 5 years duration. The fund will be disbursed based on a clear loan of 1.5% interest rate per annum for 5 years renewable tenure of a sum total $500,000,000.00 American Dollars,All sign-up contracts, briefings and investment portfolio management files will be handled in Dubai, United Arab Emirates or United Kingdom.

I seriously crave your indulgence and confidentiality to ensure that we have a good business relationship with you.

Please kindly furnish me with the below:

Full name ....................................

Contact number .............................

I shall wait for your response before making available to you other modalities,thank you as your respond to my business proposal.

Have a nice day.

Regards,

H.E. Ahmed Humaid Al Tayer

Ex- Director General/Ex-Officio Governor.

Private E-mail:difc.loan.investment.centre@hotmail.com

web;www.difc.uae.com

Copyright 2011 Dubai International Finance Center All rights reserved

Hello my dear

Thursday, 17 March, 2011 5:08 AM

From:

This sender is DomainKeys verified

"joyce net"

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Hello my dear

Nice to meet you,How are you and how is your work? i hope that all is well with you, My name is Joyce,i know that you may be surprise how i get your email, i got your email today when i was browsing looking for honest partner,then i feel to drop this few line to you , and i will like you to contact me back so that we can know each other and exchange our pictures, and we may become partner.Remember the distance does not matter what matters is the love we share with each other.i am waiting to hear from you soon,

Thanks From Joyce

Good Day

Friday, 18 March, 2011 4:02 PM

From:

"Issa Mohammed"

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Good Day

I am Mr. Issa Mohammed, manager in charge of audit and account section of Bank international bicia-b, Ouagadougou branch, here in Burkina Faso.

I have an obscured business suggestion for you. I am here-by seeking your service in helping me receive a large amount of money and in giving a clear research and feasibility studies on areas i could invest on. Your services will be compensated with 50% of the amount you are receiving, and you will be a Partner, if your recommendation is accepted.

As a bank employee, I cannot operate any personal investment till i am retired and with the Anti-corruption Bill passed in Burkina Faso; it is risky for a fixed income earner to own any huge amount of money in Burkina Faso or any foreign country. It is then advisable to invest in any foreign land secretly and patiently wait retirement.

Contact me immediately for further confidential correspondence through

My dearest regards

Issa Mohammed

--- On Sat, 19/3/11, Mr Ihoma Goodluck wrote:

From: Mr Ihoma Goodluck

Subject: Please read carefully and reply

To:

Date: Saturday, 19 March, 2011, 7:06 AM

Dear Friend,

(CONFIDENTIAL)

I know that this email will be a big surprise to you, but i want you to calm down and read very carefully.

I have a business which will be beneficial to both of us.The amount of money involved is ($5,700:000:00 five million seven hundred thousand us dollars) which i want to transfer out of my country to your bank account, all to my financial benefit and yours too.Also to take my wife abroad for treatment of liver damage.

This money is owned by a man called JIN SUN, a business commercialist in west African regions. He was dead since four years ago (2007) and since then, no claim has been placed on his bank account balance.

I want to transfer this money out of the country but such fund cannot be transferred without a next of kin attached to the fund. the fund could be transferred in these way; you shall present yourself as a business associate to the deceased person, as the care taker and business associate to mr. Jin Sun and his properties.

I shall make available to you materials and information with which a successful claim shall be placed on the fund. i shall also be your guide and instructor throughout the duration of this transaction so as to ensure a swift and sure transfer of the fund to your bank account.

As to your benefits,you shall be entitled to 40% of this fund for your co-operation in this transaction while 5% will be set aside for expences incured during the course of this transaction.

So if you are interested, send a reply to me immediately and in your reply please include your [private phone and your fax numbers] urgency have to be implied and this business must strictly be a deal between both of us.

Waiting for your urgent response so that i can move ahead to give you the indept details concerning this transaction and also the steps to take for a smooth transfer of the fund into your bank account.

Best Regards,

Mr.GOODLUCK IHOMA

--- On Sat, 19/3/11, ghadaffi wrote:

From: ghadaffi

Subject: urgent please

To:

Date: Saturday, 19 March, 2011, 11:09 PM

Dear sir/Madam

My names are Saif Al Islam Ghadaffi, the son of the present president of Libya. I am contacting for an urgent assistance. As you can read and see in the media, my family is presently undergoing tough time in the hand of the masses due to his long stay in power as the president of Libya for over 40 years now. Although there is no way you can satisfy human being, my father has done so many things to better the life of our people unfortunately they never appreciated his effort instead to resulted in calling my family bad names. I have already called the international community, European Union to come down and investigate things instead of taking side without proper investigation as I know that we will be vindicated.

Pls read more: http://www.thefirstpost.co.uk/75772,people,news,lse-investigates-saif-al-islam-gaddafi-over-phd-plagiarism-claims

The International community has reached a resolution for immediate seizure of our assets both in US and the UK.

I want to request your humble assistance to receive a total sum of $65.5 million US dollars which we have succeeded in moving in cash to one of our Africa coast.

You will receive this fund directly and keep in a safe keep while I shall come down to meet you for necessary investment as may be suggested by you. You should kindly let me know your percentage as we will be ready to share whatever percentage for your assistance.

Do note that this transaction is legal and risk free.

I shall await your urgent response.

Read more on this: http://webcache.googleusercontent.com/search?hl=en&q=cache:u7eI895cFAIJ:http://www.haaretz.com/news/international/clinton-gadhafi-must-go-now-without-further-violence-or-delay-1.346257+current+problem+facing+by+gaddafi+of+libya&ct=clnk

Saif Al Islam Ghadaffi

HELLO MY FRIEND

Sunday, 20 March, 2011 5:48 PM

From:

"Diani Kabori"

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mail

For your kind attention

Could you please consider helping me to relocate this sum of Ten Million five hundred thousand dollars (us$10.5m) to your Country for establishing an industry in your country.

This fund was deposited in our bank by Mr. Paul Louis Halley from France who died in a plane crash in 2003 TBM 700 aircraft on 6 December with his wife and the whole crew on board.

Without a (heir) hence the money is floating and if I do not remit this money out urgently it will be forfeited for nothing and the big guns at the herms of administration at the bank will share this fund amongst themselves as it has been done if no trace of heir to such fund is found.

We have tried to contact his family to come forward for claims but could not succeed.

Click here (http://newswww.bbc.net.uk/2/hi/uk_news/england/oxfordshire/4537663.stm

I will give you all vital information concerning the France citizen and the $10.5m in our custody so that you will contact my bank for them to release the money to you as the next of kin to the deceased person.

You will have to establish contact with the bank while i will guide you on the steps to follow till the transfer of this fund reaches to you and your account.

As one of the bank directors, I will play a role to make sure that the fund is released to you.

This is a legitimate transaction and you will be compensated with 40% for your assistance for presenting yourself as the next of kin and account to receive this fund in your country. If you are interested please write back for more clarifications.

I will know that actually you are ready to be my partner and then I will have to send to you a draft application form which you are to fill and apply for the release of the fund to your account in your desired country.

Mrs Diani Kabori.

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

MICROSOFT LOTTERY HEADQUARTERS:

P O Box 1010 Liverpool,

L70 1NL UNITED KINGDOM

CONGRATULATION!!

Dear Lucky Winner,

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

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

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

Also call for verification on this number: Tel +447017036785

Mr. Terry Smith

Dispatch Officer.

Tel +447017036785

Email: micro-network-int@hotmail.co.uk

Fill This Form Below:

(1) Name:

(2) Address:

(3) State:

(4) Country:

(5) Marital Status:

(6) Occupation:

(7) Age:

(8) Personal and Direct Phone Number:

(9) Email:

Sincerely,

Mr. Paul Allen

Head Customer care Service

MICROSOFT LOTTERY

HEAD QUARTERS.

02/03/2011

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

Names.

Address.

Sex.

Age.

Tel.

Occupation.

to our claims department: centerdept6@yahoo.com

02/03/2011

We are please to bring to your notice of the just concluded UK Awards 2011.Your

email has won the total amount of 800,000GBP.Please provide:

Ful Names.........

Address.....

Age.......

Sex........

Occupation.......

Nationality......

Phone........

Thanks on behalf of the British Financial Department.

03/03/2011

Dear Western Union Customer,

You have been awarded with the sum of $100,000 USD

by our office, as one of our customers who use Western

Union in their daily business transaction.

This award has been selected through the internet, where

your e-mail address was indicated and notified. Please

provide Mr. Steven Page with the following details

listed below so that your fund will be remited to you

through Western Union.

1. Name:______

2. Address________

3. Country:_______

4. Phone Number____

5. Occupation:________

6. Sex:_________________

7. Age___________________

Mr. Steven Page

Tel: +234 708 525 5362

E-mail: wuafrica@hotmail.com

As soon as these details are received and verified,

your fund will be transferred to you. Thank you, for

using western union.

04/03/2011

Attention Beneficiary,

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

1. Full Names:

2. Address:

3. Phone Number:

4. Sex:

5. Age:

6. Occupation:

8. Country of Residence:

Microsoft China Co., Ltd

1st Floor, Microsoft Tower, LSH Plaza

8 Wangjing Street, Chaoyang

Beijing 100102, P.R. China

Contact Person: Mr. Sung Lee

Contact Cell: +8613712678070

Contact Email: myclaimsdept@live.com

Thank you and accept my hearty congratulations once again!

Yours faithfully

Municipio De Envi.

© 2011 Microsoft Corporation. All rights reserved.

03/03/2011

For your kind attention,

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

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

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

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

Thanks and Best regards,

Mr.Omar Musa.

04/03/2011

From the Desk OF:

MR.JOHN ANDERSON

International Settlement Dept.

Central Bank of Nigeria

Immediate ATM Cash Card Payment Notification

EMAIL: john2anderson4@gmail.com

FUND BENEFICIARY ATM CARD CENTER CODE 555,

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

1. FULL NAME

2. FULL ADDRESS (P.O BOX NOT ACCEPTABLE)

3. PHONE AND CELL PHONE NUMBER

4. YOUR AGE, SEX AND CURRENT OCCUPATION

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

MR.JOHN ANDERSON

INTEGRATED PAYMENT DEPARTMENT

EMAIL: john2anderson4@gmail.com

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

REGARDS,

DR OLUSEGUN AGANGA

MINISTER OF FINANCE TO THE PRESIDENT

FEDERAL REPUBLIC OF NIGERIA.

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

04/03/2011

Dear Winner,

We are pleased to inform you that you have won prize money of £750,000.00 GBP

only in the ongoing SHELL Promoted 2011 ICC Cricket Online World Cup Award

held in London, England.

We collect all the email addresses of the people that are active online, among

the millions that subscribed to Google, Yahoo, Hotmail and various Microsoft

window versions and other internet search engines all around the world.

We only select 12 people every year as our winners, through electronic

balloting System without the winner directly applying.

Below is the details of your winning which must be quoted in every mail you

send to us for security reasons and to avoid impersonation;

Batch number.....................YW/08872/PY

Ref number.......................WL/7662/5AQ

Winning Ticket number...................WZ554/30

However, you will be required to fill your details in the below form and

submit this to the events manager so that he can immediately schedule the

release of your winning prize four days from the day of receipt of your response.

NB, as soon as you receive this mail, you should be checking your email

everyday for updates because if we do not hear from you for three working

days, we will assume you are not qualified for the prize.

1. Full name :

2. Contact Address :

3. Age :

4. Telephone Number :

5. Marital Status:

6. Sex :

7. Occupation :

8. Monthly income :

9. State :

10.Nationality :

11.Email Id :

NB: BE SURE TO SEND YOUR REPLY TO MR TO MR TOM WOODS ON HIS EMAIL ID SO THAT

YOUR WINNING CAN BE PROCESSED AS WE WILL NOT ATTEND TO ANY MAIL THAT IS

ADDRESSED AND DIRECTED TO HIS EMAIL spdcmobdrawclaims09@live.com;

Mr. T. Woods

(Claims Manager)

Tel: +44 87 1237 4767

06/03/2011

THE ADIDAS SEASONAL PROMOTION PRIZE AWARDS WINNING NOTIFICATION.

WINNERS ONLY

A/ 94 AVENUE OPP CHURCH ROAD

LONDON; WORLD WIDE UK.

REF: ADASC/9499OK6/393/ADCP

BATCH: 7/20/0055

Dear Lucky Winner,

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

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

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

Ref Number: ADASC/9499OK6/393/ADCP

Batch Number: 7/20/0055

Ticket Number: 025-110003847-110

You as well as the other winners are therefore to receive a cash prize of 690,000.00 GBP (SIX HUNDRED AND NINETY THOUSAND GREAT BRITAIN POUNDS STERLINGS ONLY) each from the total payout. Your prize award has been insured with your e-mail address and will be transferred to you upon meeting the requirements, statutory obligations, verifications, validations and satisfactory report.

To begin the claims processing of your prize winnings you are advised to contact our licensed and accredited claims bank

for SECOND category winners with the information below: You are also advised to give the following information’s to the claim's bank via email

1. Full name and address:

2. Country:

3. Tel and fax number:

4. Occupation:

5. Your Reference and Batch number at the top of this mail:

Ref Number: ADASC/9499OK6/393/ADCP

Batch Number: 7/20/0055

Ticket Number: 025-110003847 -110

6. Age:

7. Amount won:

8 Sex:

9 your wining email address:

MR. FESAMA JIM

Transfer Director Manager HSBC international banking UK

Email: mr.fesama_jim@live.com

Phone: +44- 7014237967

NOTE: All winnings must be claimed within 10days from today. After this date all unclaimed funds would be included in the next stake.

Remember to quote your reference information in all correspondence with your claims bank.

You are to keep all lotto information away from the general public especially your reference and ticket numbers. (This is important as a

case of double claims will not be entertained).

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

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

Thank you and congratulations!!!

Yours faithfully,

Maxwell Bush

Managing Director Adidas.

Copyright © 2011 Adidas.

07/03/2011

Your ticket number: 023-0148-790-459 with Serial number

5368/05 drewthe lucky number: 29 We are pleased to notify you that your

emailaddress emerged as a winner in our Honda Car promotional

lotto sweepstakes and as a result you have been granted the lump sum payout of

One Million Pounds.

Contact your claims officer below for your claims/winnings

MR. MORRISON LUKE

EMAIL:fudiciaryagent120@gmail.com

You are to forward the following details to enable us clear

your file

for immediate payment.

Full name:______________

Address:___________

Age:_______

Sex:_______

tel:_______________

Country:_______________

Occupation___________

27/02/2011

3/5 Commercial Rd,

Durban 4001,South Africa.

Dear Friend,

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

Am the head of the contract award committee and 14 project allocation manager,

of the Department of Minerals and Natural Resources in Durban-Southafrica.

I need your assistance to bank ( USD10.02M) and subsequent investment it on

properties in your country urgently.You will be required to.

(1) Assist in the banking safely of the said funds

(2) Advise on lucrative areas for investment

(3) Assist in purchase of properties.

If you can render your assistance in this regard, 20% of the total investment

sum will be for you,as your commission.

It will be done under a legitimate process so that we will not breach any

international or local laws,governing the same.Making it a 100% risk free.

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

Best Regards,

Martin Mandela martinmandela@centrum.cz

10/03/2011

GOOD DAY,

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

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

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

(1)Full name:

(2)private phone number:

(3)current residential address:

(4)Occupation:

(5)Age and Sex:

I look forward to hearing from you.

Kind Regards,

Mr. Richard Tang.

11/03/2011

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

Dear Friend,

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

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

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

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

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

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

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

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

Kindest Regards

Barrister Giorgio Salvatore.

GOODAFTERNOON FROM HONG-KONG.

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

Regards,

Mr. Richard Tang.

14/03/2011

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

Names.

Nationality.

Tel.

14/03/2011

Hello My Dearest,

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

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

You can read more about the death of my beloved father

http://news.bbc.co.uk/2/hi/africa/4151122.stm

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

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

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

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

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

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

I am waiting for your urgent reply including your information’s,

Thanks Yours Sincerely,

Miss. Jarnnot Garang

15/03/2011

Queen Elizabeth's Foundation

WOODLANDS ROAD,

LEATHERHEAD COURT,

LEATHERHEAD

SURREY,KT22 0BN

UNITED KINGDOM

Registered in London No 892013.

Registered Charity No 251051.

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

For claims please fill the form below . when sending your claims inquiries to the Financial Officer.Please endeavor to quote your Qualification numbers (N-222-6747,E-900-56) in all discussions.

FULL NAMES:________________________

ADDRESS: _________________________

CITY:_________________________

STATE:_____________________ ZIP: _____

COUNTRY________________________________

SEX:_______________

AGE:_________________

MARITAL STATUS:_________________

OCCUPATION:________________________

E-MAIL ADDRESS:_____________________________

TELEPHONE NUMBER:_____________________

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

SEND ALL YOUR CLAIMS AND INQUIRIES TO THE

Executive Secretary - Steven Moore

Email: qef2011@hotmail.co.uk

Phone : +44 702 406 7585

Regards.

Mrs. Hamid Johnson

15/03/2011

THIS PROJECT IS FOR YOU

Dear Friend,

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

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

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

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

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

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

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

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

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

Regard's,

Mr.Mohammed Shabana.

15/03/2011

Hello,

My name is Jacob Josh, I am the branch manager of Banco pichincha Quito Ecuador.

I have packaged a financial transaction that will benefit both of us, which involves three million seven hundred and fifty thousand dollar $3,750.000.00. Mean While you will have 35% of the total fund after the transaction.

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

joshem@blumail.org

Best Regards

Mr.Jacob Josh

15/03/2011

Dear Friend,

I am Mr. Patrick Chan Executive Director and Chief Financial Officer of

the Hang Seng Bank Ltd. I have a Secured business suggestion for you.

Before the U.S and Iraqi war our client Col. Hosam Hassan who was with the

Iraqi forces and also business man made a numbered fixed deposit for 18

calendar months, with a value of over Fifteen million United State Dollars

only in my branch. Upon maturity several notices was sent to him, even

during the war early this year.

Again after the war another notification was sent and still no response

came from him. We later find out that Col. Hosam Hassan along with his

wife and only daughter had been killed during the war in a bomb blast that

hit their home.

After further investigation it was also discovered that Col. Hosam Hassan

did not declare any next of kin in his official papers including the Paper

work of his bank deposit. And he also confided in me the last time he was

at my office that no one except me knew of his deposit in my Bank. So,

over Fifteen million United State Dollars is still lying in my bank and no

one will ever come forward to claim it. What bothers me most is that

according to the laws of my country at the expiration of 6 years the funds

will revert to the ownership of the Hong Kong Government if nobody applies

to claim the funds.

Against this backdrop, my suggestion to you is that I will like you as a

foreigner to stand as the next of kin to Col. Hosam Hassan so that you

will be able to receive his funds. Once the funds have been transferred to

your nominated bank account we shall share in the ratio of 60% for me,40%

for you, Should you be interested please send me information's below,

1. Full names and Age

2. Private phone number

3. Fax Line

4. Current residential address

5. Occupation (COMPULSORY)

I will prefer you reach me on my private Email address below;

E-mail: p.chan92@yahoo.com.hk

And finally after that I shall provide you with more details on this

transaction. Your earliest response to this letter will be highly

appreciated.

Kind Regards,

Mr. Patrick K.W Chan.

16/03/2011

From Mr. Sankara Ahmed

Professional Accounting / Auditing.

BP 0112 Ouaga- Burkina-Faso

E-mail: sankaraahmed14@sify.com

Hello My Dear friend,

How are you doing together with your entire family, I hope all is well? Please carefully read and understand my reason of contacting you through

this email. I am Mr SANKARA AHMED .

The chief Auditor Bill and Exchange Foreign Remittance Unit Bank of African (B.O.A) Burkina Faso. West Africa.

Here. I am contacting you because of an abandoned sum of Nineteen Million Three Hundred Thousand United State Dollars. ($19.3 Million) that was deposited by a

late customer of this bank called Dr.Michael Hilliam Billing.

A very prominent man who was doing business transaction with our bank. He was a citizen of Lebanon. This bank unfortunately lost his life through assassinated

on February 14, 2005 when explosives equivalent to around 300 kg of C4 were detonated as his motorcade drove past the Saint George Hotel in the Lebanese

capital, Beirut.

The bank has no knowledge about his death. Upon this discovery that i decided to make this business proposal to you since the banking laws and guidelines here

stipulate that if such funds remain unclaimed here after nine years, the money will be transferred into the Central Bank Treasury as unclaimed fund.

My stand to contact you now is that, a foreign has the legal right to put claim to such deposit followed by you will proof your claim with the bank. Therefore,

I want you to apply as his business partner.

This transaction is going to be a success because, a foreigner is compulsorily needed to present himself or herself as the next of kin to this

deceased bank customer and hence the beneficiary of the fundbecause the fund depositor was a foreigner. I therefore, desperately need your assistance to

claim and receive this huge sum of money into your account..

For the assistance in this transaction, you will be entitled to 40% of the total fund in respect of the provision of your bank account and the assistance

you are to render on the process. 55% would be for me as the originator and initiator of the transaction, and the rest 5% will be used to off-set any minor

expenses which may arise during the process of transferring the fund into your account..

I and my entire family will leave here immediately for your country in order to share the

profits and we also invest part of my own share over there, as soon as the fund is transferred into your account.

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

bank

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

Deal".. Please also be rest-assured that this business is 100% risk-free, and all the information and data's you will need to make successful claim of this fund in the bank here are fully ready with me here.

Note Well: Please urgently confirm your willingness and interest to assist me by filling and sending back to me the needed information below and also call me

immediately on my private

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

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

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

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

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

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

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

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

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

From Mr. Sankara Ahmed

Professional Accounting / Auditing.

BP 0112 Ouaga- Burkina-Faso

E-mail: sankaraahmed14@sify.com

Regards

17/03/2011

Ming Yang

18/3/2011

I am indeed sorry if you must have recieved this email in your spam folder

it must have been as a result of my slow internet connection,Let me start

by introducing my self.I am Mr.Ming Yang,director of operations of the

Hang Seng Bank Ltd,Sai WanHo Branch.I have a obscured business suggestion

for you concerning one of our client.This business is about Major Fadi

Basem and his family who was killed during the war in a bomb blast that

hit their home.Until hisdeath he deposited the sum of Twenty Four millions

Five Hundred Thousand United State Dollars with my bank.

After further investigation it was also discovered that Major Fadi Basem

did not declare any next of kin in his official papers including the paper

work of his bank deposit,all that is required from you at this stage is

for you to provide me with your Full Names, Address and phone numbers so

that the attorney can commence his job.After you have been made the next

of kin,we shall share in the ratio 50% for me, 45% for you and 5% will be

used to pay back expenses incurred from both ends in the process of the

transfer to youraccount.I am prepared to release further details to you

based on your response and communications.If you are interested in

assisting me,I will give you more details you contact me on my private

email:hkming201yang@yahoo.com.hk

Awaiting your response.

Sincerely,

Mr.Ming Yang

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

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dateSat, Mar 19, 2011 at 12:24 AM

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hide details Mar 15 (4 days ago)

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Monday, March 21, 2011

Beware of Terrorism and Be Aware of Peace

Photo by M. S. Khan

Saturday, March 19, 2011

Small Cycles of Life - My visit to Eastern Province (Dammam, Alkhobar, Thouqbah, Dahran)

By Mohammed Sadullah Khan, Faculty Member, Institute of Banking can be reached at mosakhan40@gmail.com

I was asked to provide continuous training for two weeks, one in Dammam and one in Al-Khobar. I took this opportunity very positively and visited the Eastern Province. The visit was a nostalgic one, having stayed in Eastern Province for almost a decade it reminded me of my first visit to Dammam in 1994 and all my memories refreshened.

The five to six hour drive from Riyadh was very pleasant and the dry Sunny weather made me enjoy my driving. The tar topped roads were looking more black and the sky was splashed with white clouds with a very pleasing blue colour. The sand of the desert was looking more golden in colour. I also got an opportunity to offer Friday prayers at a road side Masjid.

Riyadh-Dammam highway - Photograph by M. S. Khan

The weather was welcoming my visit to the Eastern Province. The desert was showing the patches of greenery, which was very pleasant to look at. The temperature was very conducive and it did not allow me to switch on my A/C.

Riyadh-Dammam highway -Photo by M.S. Khan

The moment I entered the city I realised that beautiful flowers of various colours and fragrances were welcoming me and have decked almost all the roads. It seemed that the birds were chirping, the crickets and other insects were making sounds to herald my arrival.

Beautiful flowers in Dammam- Photo by M.S. Khan

I visited the Corniche of Dammam and Khobar. The sea was silent and did not reveal the turmoil inside. The calm sea made me ponder for a few minutes. The height of Sea looked more imposing and overwhelming. Unfortunately I did not realize that the same sea could become deadly on the other side of the World and the news of Tsunami the very next day saddened and the gruesome pictures made me realize the power of Divine.

Imposing Sea - Al-Khobar Corniche - Photo by M.S. Khan

Silent Sea - Al-Khobar Corniche - Photo by M.S. Khan

The golden trees attracted my attention and I felt as if some leaves are clutching on to their branches just to have a glimpse of me. Some leaves had already become one with the earth. This provided a deep reflection of Life and the small cycles of life.