Wednesday 22 January 2014

Malaysian Code on Corporate Governance 2012 (“MCCG 2012”)


By Chan Hoi Leong, Researcher
Topic: Education
Area of discussion: Corporate Governance
Chapter/Keyword(s): Malaysian Code on Corporate Governance 2012 (“MCCG 2012”)

Question

Discuss how the Malaysian Code on Corporate Governance 2012 would help to strengthen governance in listed companies in Malaysia including the roles and responsibilities of the board and management; reinforce independence, risk and financial reporting.

Introduction

           Essentially, Malaysian Code on Corporate Governance 2012 (“MCCG 2012”) lists down wide principles of good governance and detailed recommendations on structures and processes as well as commentaries to aid understanding by giving out guidelines and examples. Ideally, companies are advised to follow its best practices which are flexible, as it will lead to the creation of sound corporate governance culture, besides promoting ethical and sustainable values. It encourages companies to put extra efforts on their governance needs instead of merely fulfilling the minimum requirements or “box ticking”. This is beneficial as Mallin (2013, p.291) highlights that many listed companies in Malaysia are still family-controlled; at such shareholders’ rights are often being ignored while transparency and independence are relatively weak. It is indeed the keys for efficiency, market confidence and investor protection. Below is the careful analysis of each principle including their impacts, advantages and effectiveness:

Content 

             Under the first principle of establishing clear roles and responsibilities, the board shall formalise ethical standards through a code of conduct. For example: trade practices, ethics guidelines and working standards. Organisations should view codes as a great tool to inculcate its employees with sound principles besides regulating their behaviour only (Steger & Amann 2013, p.149). At such, codes can add value to firms by creating an ethical and positive work culture throughout the entire company. Ideally, well-administered and properly executed codes can offer numerous benefits such as provide guidelines to assist employees whenever they face ethical dilemmas in finding the proper course of action; minimise the risk of having too many subjective and inconsistent management standards; build public trust and improve business reputation; and ultimately, promote market efficiency. PricewaterhouseCoopers (PwC) and Deloitte are some of the industrial examples that are having a strict code of conduct.

             Next, the board should also assure that the organisation’s strategies promote sustainability especially in the area of environmental, social and governance (ESG) whereby their respective policies and implementation need to be disclosed in the company’s annual reports and website. Such disclosures are important for long-term growth and profitability. For instance: the ways on how an organisation operates, measurement of progress towards achieving their sustainability targets, identification of new market opportunities for sustainability-related products and services, mitigation of sustainability-related risks and so on. It is apparent that sustainability initiatives can aid in boosting a company’s competitiveness, employees’ morale and ability in getting more capital (Main & Konigsburg 2011, p.3).  

            Then, the board ought to formalise and make public of its board charter, which point out the board’s strategic aims, roles and responsibilities. This is vital especially for the area that concerns with the division and separation of authorities and responsibilities between the board and the management, the chairman and the CEO, and all the board sub-committees; all roles should be clear-cut, non-ambiguous and preferably be split. By doing so, it will give a better insight to the person in charge whereby they can discharge their duties delegated to them more effectively in their own area of control as well as increasing their understanding ability on what needs to be done so that they can do the right things correctly. Tasks if possible should not be overlapping to avoid confusion. This is to prevent ‘pointing finger attitude’ when something went wrong and indirectly, it will boost their seriousness in doing work too. This is because everyone is held accountable or liable for what he or she did while the others can know who to refer or blame when they identify work errors and mistakes. As a consequence, it will promote efficiency in each individual, team and division. Performance evaluation and assessment can also be done more accurately and fairly. It is noted that Sime Darby already doing this.

            Meanwhile, it is undoubtedly that the nominating committee’s responsibilities have been increased tremendously under Principle 2: Strengthen Composition. Since they are in charge to supervise the director’s selection and assessment, it is strongly advisable that the nominating committee should comprise exclusively of NEDs of which majority of them must be independent. Besides, the nominating committee’s chairman should also be a senior independent director. The benefits of this move are it gives additional independence and increase objectivity in the director appointment process (Azmi 2012, p.13). Thus, avoids the directors from being appointed on the basis of personal connections or networking (Mallin 2013, p.171).

             Subsequently, nominating committee shall develop, maintain and review a set of criteria to be used in director’s recruitment process and annual assessment. By doing this, it could help in identifying the best director, preferably who is balance in all aspects and can add value to the board as a whole (Azmi 2012, p.13). Logical thinking suggests a person’s performance will vary from time to time, that is why yearly assessment is essential. When assessing the suitability and quality of directors, nominating committee shall check, monitor and appraise each individual whereby considerations should be emphasize on performance, competencies, commitment (time spent in company and number of meetings attended), contribution, behaviour and et cetera vigorously and regularly (Mallin 2013, p.172). If necessary, remove incompetent or unsuitable directors. Not only that, the board should set a policy related to boardroom diversity and take proactive steps to ensure that women candidates are included in its recruitment exercise. Research suggests that mixed-gender teams are superior in solving complicated problems and examining more aspects of a problem (Gladman & Lamb 2013).

          At the same time, the board should create a remuneration committee to develop official and transparent remuneration policies and procedures as well as to design fair remuneration packages which are align with the company’s long-term aims and business strategies in order to attract, retain and motivate directors. This move is critical as it can reduce the possibility of quality directors from being headhunted easily, encourage directors to strive harder and avoid companies from paying more than necessary. Remuneration committee needs to ensure that the design of contracts exclude ‘rewards for failure’, to prevent rewarding poor performing directors (Mnzava 2012, p.45). In addition, companies are highly encouraged to disclose board remuneration policies and procedures in their annual reports. In connection with that, previously Zakaria (2011) highlights that many company directors in Malaysia were still unwilling to reveal their remuneration details whereby only 8.3% of directors have declared their remuneration fees in 2011. Hopefully, this situation can be improved further in the future.

           Another principle would be reinforcing independence. Undeniably, independent directors could help in mitigating risks arising from conflict of interest or unduly influence given by interested parties to control board’s decisions. Therefore, assessment of independent directors needs to be done yearly to evaluate whether they are still capable to provide independent and objective judgement as well as unbiased opinion during the board discussion. In this case, it is recommended that the nominating committee should set out the independence assessment’s criteria. For example: check whether they got received additional remuneration (apart from director’s fee) from the company; check whether they have any family or close relationship with other directors or advisers of the company (if any), level of commitment (time devoted and meetings’ attendance) and et cetera (Mallin 2013, p.175). 

           Besides, companies are discouraged to retain an independent director for more than nine years (Oh 2012); the reason behind this is long tenure might jeopardise independence because independent director has been receiving benefits for quite a long duration and started to feel attached with the company already. Hence, the danger is they might become biased and side the internal people. Anyway, they still can opt to serve the company in the capacity of a non-independent director. Furthermore, shareholders’ approval must be sought and board must give reasonable justification also before an independent director who has served for more than nine year can continue to remain independent (Law 2012, p.1). Another recommendation is the CEO and chairman shall not be the same person, and the chairman must be a non-executive director. This is extremely important to promote accountability and also to ensure that the CEO cannot easily influence the board. Thus, the risk of CEO abuses power to do something that are not beneficial to the shareholders and company can be potentially be reduced (Mallin 2013, p.167). If the chairman is non-independent, the board must consist of a majority of independent directors to “neutralise” the board. This is truly useful and helpful for corporation that are dominated by families like Berjaya Corporation.  

            As per the fourth principle: foster commitment, the board shall come out with its expectations on its members’ time commitment and set new directorship acceptance protocols. Ideally, directors should allocate enough time to run their duties. This recommendation is vital especially for those individuals that hold multiple directorships as they are more prone to distraction, easily lost focus and usually cannot provide sound advices as compared to the person that hold only one directorship (Hashim & Rahman 2011, p.137). This move encourages directors to at least notify the chairman about how much time that they could spend on the new appointment, before they accept any new directorships. Moreover, board also need to ensure that its member will frequently update their knowledge and refine their skills via suitable continuing education courses and long-term learning. This is because as time passed by, knowledge and skills will become irrelevant and obsolete due to globalisation and changing market dynamics. This move promotes sustainability whereby it enables directors to engage actively in board deliberations.    

              According to the fifth principle to uphold integrity, audit committee should ensure that the preparation of financial statements is in line with applicable financial reporting standards to promote reliability, besides having policies and procedures to evaluate the appropriateness and independence of external auditors. This includes a review of the audit fee and fees paid for non-audit work (Mallin 2013, p169). The external auditors’ independence would be threatened if they provide non-audit services to client without adequate safeguards and control as they might grow closer to the company (ICAEW 2013). This is even could be worst if the non-audit fees are higher than the audit fees as it is open to suspicion. That is why it is recommended that the audit committee shall establish policies to govern those non-audit services issues and procedures for external auditors to follow. In addition, external auditors’ written assurance should be obtained by the audit committee to confirm that they have been independent throughout the whole audit engagement.

             For the sixth principle, the board should set up a good risk management framework and disclose in the annual report the primary features of the company’s risk management framework and internal controls system. All risks must be clearly identified, assessed and monitored as they can affect the bottom line, company and employees. For example: liquidity risk, political risk and reputation risk. Company ought to take appropriate measures to reduce and minimise risk such as diversification and transfer of risk; whilst to ensure that internal controls system is always practicable and robust, periodic testing of the effectiveness and efficiency of its procedures and processes must be carried out consistently. Such moves will safeguard shareholders’ investments and the company’s assets. Besides, an internal audit function that reports directly to the Audit Committee should also be established. Internal auditors shall have relevant qualifications and experiences to run their duties smoothly including review and appraise the governance, risk management and internal controls processes.

             Meanwhile, the new additions under the seventh principle stress drastically on the importance of well-timed and sound disclosure. Firstly, organisations are required to have proper corporate disclosure policies and procedures, which include the reconsideration on the need for non-financial information data’s disclosure. Basically, it encourages companies to move away from merely satisfying the minimum reporting requirements to high quality and comprehensive disclosures. Ideally, more disclosures generally mean that the shareholders can have a clearer view about the company and indirectly, improve shareholders’ decision making as well as erase doubt. This will surely heighten transparency and shareholders’ confidence. Secondly, it promotes better and extensive use of technology; so that timely information can be communicated and circulated to all the shareholders (Pasricha 2012). For instance: setting up a platform exclusively for corporate governance in company website to display information like board charter, shareholders’ right and the annual report. As compared to traditional snail mail or postal system which is slow, costly and need a lot of effort, such technology-based dissemination methods are more effective, fast and convenient. Plus, it promotes higher accessibility, no delay and it is capable to reach wider audiences including foreign investors. The advantage is shareholders will not received out-dated information which is irrelevant in decision making. 

         Finally, the eighth principle defends and enhances shareholders’ rights as well as foster closer ties between company and shareholders. Sensible actions shall be taken by the board to encourage shareholders to take part in general meetings. Although the current minimum notice period is 21 days (OECD 2011, p.17), companies are allowed to give notices earlier than that to show their commitment. The board needs to think carefully whether they wish to utilise advanced electronic voting since it can potentially increase shareholder participation as physical attendance is not needed. Plus, shareholders are able to vote from remote computer terminals conveniently. Nonetheless, security and cost issues remain a challenge. Likewise, the board needs to move towards poll voting too. Shareholders need to be informed about their right to request a poll vote at the beginning of the general meeting. Pasricha (2012) voice out that the normal practice of show of hands voting is unfair because it does not take into account the shareholders’ percentage of shareholding. Since each shareholder who present physically has one vote, it empowers minority shareholders unequally. Fortunately, poll voting supports ‘one share one vote’ principle and the display of detailed results regarding the number of votes cast for and against each resolution will improve transparency significantly. In addition, electronic poll voting is also recommended as it can eliminate human error in counting votes and hence, recounts are unnecessary. Besides, the board needs to promote fine communication and actively engage with their shareholders. At such, they can consider to carry out regular meet ups, conference meetings, dialogue sessions and corporate visits to boost mutual understanding.

Conclusion

            All in all, as the fulfillment of those principles and recommendations are voluntary, the adoption will heavily depend on a company’s willingness. Most importantly, if companies have decided to follow and execute majority of all those recommendation, it will certainly help them in strengthening their governance and create a win-win situation which is beneficial to the companies as well as to the shareholders. Profit aside, at least such code will push the board and sub-committee to perform their duties efficiently. Hence, companies should view it as a great opportunity to increase their corporate governance’s rating. A pleasant rating attracts new investments, gives a good impression to shareholders and indirectly increases their confidence. The adoption will improve overall performance, reduce fraud and help to gain better reputation. Not only that, core values such as transparency, independence, integrity, accountability, fairness and so on can be further improved too.


References

Azmi, MF 2012, PwC Alert: Malaysian Code on Corporate Governance 2012, viewed 17 June 2013, <http://www.pwc.com/en_MY/my/assets/publications/pwcalert103-cg.pdf>

Gladman, K & Lamb, M 2013, ‘Board diversity: can voluntary change succeed?’, The Guardian, 21 May, viewed 17 June 2013, <http://www.guardian.co.uk/women-in-leadership/2013/may/21/can-voluntary-change-succeed>

Hashim, HA & Rahman, SA 2011, ‘Multiple board appointment: Are directors effective?’, International Journal of Business and Social Science, vol.2, no.17, pp.137-143, viewed 21 June 2013, <http://www.gravitasllc.com/resources/article_docs/14%5E66502343.pdf>

ICAEW 2013, The provision of non-audit services to audit clients, viewed 22 June 2013, <http://www.icaew.com/en/technical/ethics/auditor-independence/provision-of-non-audit-services-to-audit-clients>

Law, A 2012, Malaysian Code on Corporate Governance 2012 – Implication and challenges to the Boards of PLCs, Crowe Horwath, 30 August, viewed 13 June 2013, <http://www.crowehorwath.net/uploadedFiles/MY/insights/insights-assets/MCCG%202012%20article%20Final%20Risk%20Advisory%20-%20Sept%202012(1).pdf>


Mallin, CA 2013, Corporate Governance, 4th edn, Oxford University Press, Oxford.

Mnzawa, B 2012, ‘Directors’ remuneration and its determinants: What do we know?, Business and Management Review, vol.2, no.4, pp.42-59, viewed 19 June 2013, <http://web.ebscohost.com.ezproxy.inti.edu.my:2048/ehost/pdfviewer/pdfviewer?sid=b6859758-ad2c-4b1a-912d-79b4b252c462%40sessionmgr111&vid=5&hid=9>

OECD 2011, Corporate Governance in Asia: Progress and Challenges, Corporate Governance, OECD Publishing, <http://dx.doi.org/10.1787/9789264096790-en>

Oh, E 2012, ‘Ready for recommendations?’, The Star, 31 March, viewed 13 June 2013, <http://biz.thestar.com.my/news/story.asp?file=/2012/3/31/business/11022663>

Pasricha, N 2012, New Malaysian Corporate Governance Code 2012, The Malaysian Institute of Chartered Secretaries and Administrators [MAICSA], 30 May, viewed 23 June 2013, <http://www.maicsa.org.my/article_coverstory/2012/article_coverstory_1204.aspx>

Steger, U & Amann, W 2012, Corporate Governance: How to Add Value, John Wiley & Sons Ltd, Chichester.

Zakaria, SH 2011, ‘Directors unwilling to reveal remuneration’, The Edge, 8 December, viewed 19 June 2013, <http://www.theedgemalaysia.com/highlights/197487-directors-unwilling-to-reveal-remuneration.html>

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  20. Do you need a quick long or short term loan with a relatively low interest rate as low as 3%? We offer Xmas loan, business loan, personal loan, home loan, auto loan,student loan, debt consolidation loan e.t.c. no matter your score, If yes contact us via Email: finance2014911@gmail.com Fill The Loan Application Form Below Name............ Amount Needed........ Duration.......... Country............ Monthly income....... Age............. Phone Number........ Sex ................. Email................Business Plan/Use Of Your Loan:....... Apply now on this email :finance2014911@gmail.com Warm Regards Dr Purva Sharegistry

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  21. Do you need personal loan? Does your firm,company or industry need financial assistance? Do you need finance to start your business? Do you need finance to expand your business? We give out loan to interested individuals who are seeking loan with good faith. Are you seriously in need of an urgent loan contact us at Email:flourishloancredite@gmail.com
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  23. Hello Everybody,
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  25. When i could not face my Debt any more, my son was on hospital bed for surgery that involve huge money and i also needed some money to refinance and get a good home then i have to seeks for Assistance from friends and when there was no hope any more i decide to go online to seek a loan and i find Kumaresan Kahlil Loan Investment Company (feiyenloan@gmail.com) with 2% interest Rate and applied immediately with my details as directed. Within seven Days of my application he wired my loan amount with No hidden charges and i could take care of my son medical bills, Renew my rent bill and pay off my debt. I will advice every loan seeker to contact Kumaresan Kahlil Loan Investment Company For easy and safe Transaction.

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  28. We have a direct genuine provider for BG/SBLC specifically for lease, at leasing price of 4+2 of face value, Issuance by HSBC London/Hong Kong or any other AA rated Bank in Europe, Middle East or USA.

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    Contact me for more details.

    Johnson Hatton

    ReplyDelete
  29. Are you an individual businessman or a business organisation that wishes to expand in business ??, we offer financial instrument such as BGs, SBLCs,MTNs, LCs, CDs and others on lease and sales at a rate of 4%+2% of the face value and reasonable conditionfrom a genuine provider. You are at liberty to engage our leased facilities into trade programs as well as in signatory project(s) such as Aviation, Agriculture, Petroleum, Telecommunication and any other project(s) etc.

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    ReplyDelete
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  31. We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 72 hours of successful application. We offer loans from a minimum range of $5000 to a maximum of $20 million.

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  32. My name is Marian and i live in west Virginia and i am a happy woman today, I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to them.I would like to bring this to the notice of the public about how i meet martins Walters after i lost my job and being denied loan by my bank and other financial institution due to my credit score. I could not pay my children’s fees,I was behind on bills, about to be thrown out of the house due to my inability to pay my rent, It was during this period my kids were taken from me by foster care. Then i set out to seek for funds online where i lost $3,670 that i borrowed from friends which i was rip off by two companies. Until i read about: martinswalters28@gmail.com
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    ReplyDelete
  33. We are Providers of all types of BG and SBLC with the best workable procedures. Our BG/SBLC ranges from MT799, MT760,(Both two way confirmation), MT103/23, MT103 (Both can be one way confirmation and two way confirmation) in USD and EUROS. Issuing Bank ranges from Top world 25 banks with face value ranging from 1M EUROS/USD to 5B EUROS/USD

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    ReplyDelete
  34. We can help facilitate the financial service bank instrument SBLC /BG, We remain the best financial consulting company with years of experience in the international and local finance market.

    We have become the hallmark of excellent service in this industry with trusted and genuine FCA registered SBLC Providers who have truly succeeded in creating significant value for all clients and brokers involved in leasing or purchasing sblc .

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    Leasing SBLC : 4% +2%

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    DESCRIPTION OF INSTRUMENTS:

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    4. Age: One Year, One Day

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    7. Payment: MT-103.

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    ReplyDelete
  35. Private Lender Avit Investment Authority.

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    ReplyDelete
  36. We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
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    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
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    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

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  43. We specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD} as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed.

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  46. Hello
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  47. Dear sir / ma
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  49. Do you need a quick long or short term loan with a relatively low
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  51. We specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD} as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed.

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    DESCRIPTION OF INSTRUMENT:
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    2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
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    4. Age: One Year, One Month
    5. Leasing Price: 4% of Face Value plus 2% commission fees to brokers.
    6. Delivery: Bank to Bank swift.
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    ReplyDelete
  52. Dear Sir/Madam
    I am kadir. Are you a business man or woman? Are you in any financial stress or do you need funds to start up your own business? Do you need a loan or for any reason funding such as, a) Personal Loan, Business Expansion.b) Business Start-up and Education.c) Debt Consolidation.? I can help you with the urgent loan you need.contact us at(globalserviceloana@gmail.com)

    ReplyDelete
  53. Dear Sir/Madam
    I am kadir. Are you a business man or woman? Are you in any financial stress or do you need funds to start up your own business? Do you need a loan or for any reason funding such as, a) Personal Loan, Business Expansion.b) Business Start-up and Education.c) Debt Consolidation.? I can help you with the urgent loan you need.contact us at(globalserviceloana@gmail.com)

    ReplyDelete
  54. We are an organization set up to help people in need of
    assistance, such as financial aid. So, if you are going through financial
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    contact REBECCA WILLIAMS LOAN FIRM today via e - mail:
    rebeccawilliamsloanfirm@gmail.com

    ReplyDelete
  55. We are major/Direct providers of Fresh Cut BG, SBLC,
    MTN and this financial instruments are specifically for
    lease and sale.We are one of the leading Financial instrument providers
    with offices all over Europe.
    we always deliver on time and precision as Set forth in the agreement. You
    are at liberty to engage our leased facilities into trade programs, project
    financing, Credit line enhancement, Corporate Loans (Business Start-up
    Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial
    Equipment, Air crafts, Ships, etc.) as well as other financial instruments
    issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London,
    Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and
    others on lease at the lowest available rates depending on the face value
    of the instrument needed, Our Terms and Conditions are reasonable.
    DESCRIPTION OF INSTRUMENTS:
    1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)
    2. Total Face Value: 1M MIN to 50B MAX USD or Euro
    3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .
    4. Age: One Year, One Day
    5. Leasing Price: 4+ 2%
    6. Sale Price: 32+2%
    7. Delivery by SWIFT .
    8. Payment: MT103
    9. Hard Copy: Bonded Courier within 7 banking days.
    If you have need for Corporate loans, International project funding, etc.
    or if you have a client that requires funding for his project or business,
    We are also affiliated with lenders who specialize on funding against
    financial instruments, such as BG, SBLC or MTN, we fund 100% of the
    face value of the financial instrument.
    Inquiries from agents/ brokers/ intermediaries are also welcomed; do get
    back to us if you are interested in any of our services and for quality
    service.
    Name : Dawson Harry
    E-mail : dawsonh1010@gmail.com
    Skype id : dawsonh1010@gmail.com

    ReplyDelete
  56. Hello, Apply and get qualify for a loan on low interest rate 1% and easy process. Contact me for more info. Thank you.
    Please Only serious inquiries.
    For more details :Contact us via Email : bdsfn.com@gmail.com
    Email : bdsfn.com@gmail.com
    Emaill: anatiliatextileltd@gmail.com
    Best Regards.
    Mrs.Emilia Fedorcakova

    Ciao, fai domanda e ottieni un prestito con un tasso di interesse basso dell'1% e un processo semplice. Contattami per maggiori informazioni. Grazie.
    Per favore, solo domande serie.
    Per ulteriori dettagli: Contattaci via e-mail: bdsfn.com@gmail.com
    Email: bdsfn.com@gmail.com
    Emaill: anatiliatextileltd@gmail.com
    I migliori saluti.
    Sig.Emilia Fedorcakova

    Hola, solicite y califique para un préstamo con una tasa de interés baja del 1% y un proceso fácil. Póngase en contacto conmigo para más información. Gracias.
    Por favor Solo consultas serias.
    Para más detalles: Contáctenos por correo electrónico: bdsfn.com@gmail.com
    Correo electrónico: bdsfn.com@gmail.com
    Emaill: anatiliatextileltd@gmail.com
    Atentamente.
    Sra. Emilia Fedorcakova

    ReplyDelete
  57. My Brothers and Sister all over the world, I am Mrs Boo Wheat from Canada ; i was in need of loan some month ago. i needed a loan to open my restaurant and bar, when one of my long time business partner introduce me to this good and trustful loan lender DR PURVA PIUS that help me out with a loan, and is interest rate is very low , thank God today. I am now a successful business woman, and I became useful. In the life of others, I now hold a restaurant and bar. And about 30 workers, thank GOD for my life I am leaving well today a happy father with three kids, thanks to you DR PURVA PIUS Now I can take care of my lovely family, i can now pay my bill. I am now the bread winner of my family. If you are look for a trustful and reliable loan leader. You can Email him via,mail (urgentloan22@gmail.com) Please tell him Mrs Boo Wheat from Canada introduce you to him. THANKS

    ReplyDelete
  58. We have a direct genuine provider for BG/SBLC specifically for lease, at leasing price of 4+2 of face value, Issuance by HSBC London/Hong Kong or any other AA rated Bank in Europe, Middle East or USA.

    Contact : Mr. Johnson Hatton
    Email:johnsonhatton@gmail.com
    Skype ID: johnson.hatton007

    Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

    All inquires to Mr. Johnson Hatton should include the following minimum information so I can quickly address your needs:

    Complete contact information:
    What exactly do you need?
    How long do you need it for?
    Are you a principal borrower or a broker?

    Contact me for more details.

    Johnson Hatton

    ReplyDelete
  59. TRUSTEE ACCOUNT LIMITED is a British based financial consulting company with years of experience in the

    international and local finance market. Be it lease bank guarantee, Stand by letter of credit or any type of

    refinancing, talk to our team at TRUSTEE ACCOUNT LIMITED and certainly we will set your business on the right path

    with our sound and quality financial advice and services.

    Our bank instrument can be help you fund you projects in Trading, funding project(s) such as Aviation, Agriculture,

    Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects.Having years of

    professional, invaluable experience in the banking and finance industry, and having access to dozens of different

    prominent trusted and reliable providers, our Financial Services consultants will crawl through hundreds of

    products to find one that perfectly matches your needs.

    Purchase Instrument of BG/SBLC : 32%+2% Min Face Value cut =5M- 10B EUR/USD

    Lease Instrument of BG/SBLC : 4%+2% Min Face Value cut = 5M- 10B EUR/USD


    DESCRIPTION OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG / SBLC) (Appendix A)
    2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
    3. Issuing Bank: HSBC Bank London, Barclays, Credit Suisse and Deutsche Bank Frankfurt.
    4. Age: One Year, One Month
    5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
    6. Delivery: Bank to Bank swift.
    7. Payment: MT-103 or MT760
    8. Hard Copy: Bonded Courier within 7 banking days.


    Name;ANDREW KELVIN

    Email;trusteeactlmt@gmail.com

    Skype;trusteeactlmt

    ReplyDelete
  60. We can help facilitate the financial service bank instrument SBLC /BG, We remain the best financial consulting company with years of experience in the international and local finance market.

    We have become the hallmark of excellent service in this industry with trusted and genuine FCA registered SBLC Providers who have truly succeeded in creating significant value for all clients and brokers involved in leasing or purchasing sblc .

    We issue from Top rated world Banks and also work with brokers and agents with 100% healthy commissions paid on every deal.

    Leasing SBLC : 4% +2%

    Purchasing SBLC : 32% +2%

    DESCRIPTION OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG/SBLC)

    2. Total Face Value : Please inform us

    3. Issuing Bank: HSBC, Barclays London or Deutsche Bank Frankfurt or any Top 25 WEB

    4. Age: One Year, One Day

    5. Leasing / Selling SBLC / BG

    6. Delivery: SWIFT MT799/MT760.

    7. Payment: MT-103.

    8. Hard Copy: Bonded Courier within 7 banking days.

    All relevant business information will be provided upon request and we are ready to forward to you the DOA/CONTRACT of work once you inform us if you will be Leasing or Purchasing.

    Best Regards

    NAME;Fred Stones
    E MAIL;premiumfinanceserviceltd@gmail.com .skype:fredforrealasurance403

    ReplyDelete
  61. We have a direct genuine provider for BG/SBLC specifically for lease, at leasing price of 4+2 of face value, Issuance by HSBC London/Hong Kong or any other AA rated Bank in Europe, Middle East or USA.

    Contact : Mr. Johnson Hatton
    Email:johnsonhatton@gmail.com
    Skype ID: johnson.hatton007

    Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

    All inquires to Mr. Johnson Hatton should include the following minimum information so I can quickly address your needs:

    Complete contact information:
    What exactly do you need?
    How long do you need it for?
    Are you a principal borrower or a broker?

    Contact me for more details.

    Johnson Hatton

    ReplyDelete
  62. IQ FINANCE PLC provides a full financial planning service to both the commercial and domestic markets. At IQ FINANCE PLC we believe that financial planning is about two things: creating wealth and protecting wealth. These two objectives are at the heart of everything we do. And, as a member of IQ FINANCE Services, we give you a small-company service but with a large-company set up – the best of both worlds.

    You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc. Our terms and Conditions are reasonable.

    Leasing Price : 4%+1%
    Buying Price: 32%+2%

    Contact us for more details on our terms and procedure of transaction.

    Jamesolsen Terrazas
    email : info.iqfinanceplc@gmail.com
    skype: cpt_young1

    ReplyDelete
  63. I’m Charles David by name, i want to use this medium to alert all loan seekers to be very careful because there are scam everywhere, Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Dr Purva Pius ( A God fearing man) who lend me a loan of $237,000 under 72 working hours without any stress. I explain to the company by mail and all they told me was to cry no more because i will get my loan from this company and also i have made the right choice of contacting them i filled the loan application form and proceeded with all that was requested of me and to my shock I was given the loan, If you are in need of any kind of loan just contact him now via: {urgentloan22@gmail.com}

    I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders.

    Thanks you Dr Purva Pius Loan service for your help.

    ReplyDelete
  64. Are you looking for financing source such as Bank Guarantee (BG) and Standby Letter Of Credit (SBLC)?
    I am a direct mandate to a Financial Institution who is also known as private lender specialized in the Lease of Bank / Financial Instruments in the form of Bank Guarantees (BG), Standby Letter of Credit (SBLC), Documentary Letter of Credit (DLC), Letter of Credit (LC), Performance Bonds (PB);
    Whether you are new starting up, medium or large establishment that needs a financial solution to fund/get your project started or an established business looking for extra CAPITAL to expand your operations, our company renders all the credible and trusted bank guarantee providers who are willing to fund and give financing solutions that suits your specific business needs.

    We help/assist you secure SBLC and bank guarantee (BG) for your trade and investment from world ranked Banks such as; HSBC, Barclays Deutsche Bank Frankfurt, and Any A rated Bank in Europe e.t.c

    DESCRIPTION OF INSTRUMENT:

    (1) Instrument: Bank Guarantee {BG} /StandBy Letter of Credit.{SBLC} (Appendix A).

    (2) Total Face Value: Eur/USD 1M{Minimum} to Eur/USD 10B{Maximum}.

    (3) Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.

    (4) Age: One Year and One Day.

    (5) Leasing Price: 4% of Face Value plus 2% commission.

    (6) Delivery: bank to bank SWIFT MT-799 and/or MT-760.

    (7) Payment: MT103 (TT/WT).

    (8) Hard Copy: Bonded Courier Service.

    RWA ready to close leasing with any interested client in few banking days
    We will be glad to share our working procedures with you upon request to help us proceed towards closing deals effectively.

    For further inquiry contact
    Email : Saban.financialbg@gmail.com
    Skype : Saban.financialbg

    ReplyDelete
  65. IQ FINANCE PLC provides a full financial planning service to both the commercial and domestic markets. At IQ FINANCE PLC we believe that financial planning is about two things: creating wealth and protecting wealth. These two objectives are at the heart of everything we do. And, as a member of IQ FINANCE Services, we give you a small-company service but with a large-company set up – the best of both worlds.

    You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc. Our terms and Conditions are reasonable.

    Leasing Price : 4%+1%
    Buying Price: 32%+2%

    Contact us for more details on our terms and procedure of transaction.

    Jamesolsen Terrazas
    email : info.iqfinanceplc@gmail.com
    skype: cpt_young1

    ReplyDelete



  66. Do you need an urgent loan to finance your business or in any purpose?
    We are certified and legitimate and international licensed loan lender We
    offer loans to Business firms, companies and individuals at an affordable
    interest rate of 2% E-mail us in this particular E-mail
    markbrandonloancompanyplc@gmail.com) with the borrower details.
    Loan Application Form Needed: Bellow.

    Full Name:
    Age:
    Sex:
    Country:
    State:
    Occupation;
    Phone number:
    Loan Amount Needed:
    Loan Duration:
    Monthly income:
    Have you applied for a loan before?:

    Mr markbrandonloancompanyplc@gmail.com

    ReplyDelete
  67. ALL THANKS TO UPSTART LOAN AM NOW FINANCIALLY STABLE . upstartloan@yahoo.com
    I am Michelle Huxford from Casper, Wyoming. I was in a very chronic financial issue and terminal health situation some few weeks back. After all my search for assistance from friends and neighbors proved abortive, I feel there was no one who truly cares. I became so emaciated due to lack of good food and my 2 kids age 5 and 8 were not also good looking due to lack of proper care as a result of finance. One faithful morning I saw an old time friend of my late husband and I told him all I have been going through and he said the only way he could help was to direct me to a good loan agency that also helped him, He explained to me on how he was financially down and how he got boosted by this loan agency UPSTART LOAN INC ( upstartloan@yahoo.com ) who grant him 245,000 USD loan at an affordable rate. He further assured me that they were the only legit loan firm he found in the quest of seeking for loan after been scammed by various fake loan lenders online. He gave me their email: upstartloan@yahoo.com or text/call (574) 301-1639, That was how i applied and was also granted a loan and my life changed for the good. CONTACT THE ONLY GENUINE LENDERS( UPSTART LOAN INC) VIA email: upstartloan@yahoo.com or call +1 (574) 301-1639 to resolve your financial mess.
    -=

    ReplyDelete

  68. We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project (s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffer driven offers.

    We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

    The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760,

    DESCRIPTION OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
    2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
    3. Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
    4. Age: One Year, One Month
    5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
    6. Delivery: Bank to Bank swift.
    7. Payment: MT-103 or MT760
    8. Hard Copy: Bonded Courier within 7 banking days.

    We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct.

    Email: mrjohnpaulnowacki@gmail.com

    Skype: MrJohnPaulNowacki

    Regards,

    Mr John Paul Nowacki

    ReplyDelete
  69. We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.

    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%

    FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly
    renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding: For further details contact us with the below information.

    Contact: Name: WARREN GARY

    Email: inquiry.barkerfinancial@gmail.com

    Skype: inquiry.barkerfinancial@gmail.com

    ReplyDelete
  70. We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project (s) such as Aviation, Agriculture, Petroleum,
    Telecommunication,construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffer driven offers.

    We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable. below is our instrument description.

    The procedure is very simple; the instrument will be reserved on Euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of MT760.

    DESCRIPTION OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
    2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
    3. Issuing Bank: HSBC Bank London, Barclays, Credit Suisse and Deutsche Bank Frankfurt.
    4. Age: One Year, One Month
    5. Purchasing Price: 32% of Face Value plus 2% commission fees to brokers.
    6. Leasing Price: 4% of Face Value plus 2% commission fees to brokers.
    7. Delivery: Bank to Bank swift.
    8. Payment: MT-103 or MT760
    9. Hard Copy: Bonded Courier within 7 banking days.

    We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct.

    Email: mrjohnpaulnowacki@gmail.com

    Skype: Johnpaulnowacki

    Regards,

    Mr John Paul Nowacki

    ReplyDelete
  71. Hello

    Let me take this opportunity to introduce our services.

    We are United State based Financial Facilitating company with in-house team "CAPITAL CITY LOAN & JEWELRY” approves loans from maximum amount of 75,000,000.00 to a minimum amount of 20,000.00 and we give out our Loan in USD ($), GBP (£) Or Euro (€). Offering the requested loan amount is not a problem if you are in agreement with the loan terms and conditions and as such follow the loan procedures

    Please have a look at following services.
    1. High-quality Financial Solution
    2. Mobile application development
    3. Home Loans, Secured and Unsecured Loan, Long-SHORT Term Loan.

    Contact Email: capitalcityloan@live.com

    Please let me know your requirement to apply for loan, with 2% interest rate. So I can provide you solution accordingly.

    Best Regards,
    Capital City loan & Jewelry

    whatsapp : +1 862-621-9274
    +1 951-366-0152, Ext. 1882
    (Segment Representative/Financial Affairs, Capital City loan & Jewelry Placement Network)

    ReplyDelete
  72. We can deliver Financial service/instruments(BG/SBLC/MTN/DLC/LC) at affordable price to our customers in other to derive maximum utility. We understand that finding the right company to provide financial instrument is not easy. We are certified financial company that delivers banking instrument for lease which we adhere to our terms and condition. Over 96% of our clients are satisfied with our work whether it is business or financial service.

    Once transaction is in progress, we ensure we keep you posted on the progress of your paper. We also get you connected to the provider for personalized service. Instead of stressing yourself out looking for financial instrument or company why not let professional like us deliver financial instrument to you within the time frame required by you.

    For further details contact us with the below information....

    Contact : Mr. SIVAJOTHI GNANATHEEVAM
    Email: leasingmandate@gmail.com

    ReplyDelete
  73. We specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD} as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed.

    We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

    The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760.

    DESCRIPTION OF INSTRUMENT:
    Instrument: Bank Guarantee (BG/SBLC).
    Total Face Value: Minimum of 1M Eur/USD (One Million Eur/USD) to Maximum of 5B Euro/USD(Five Billion Eur/USD).
    Issuing Bank: HSBC London, Barclays Bank, Deutsche Bank Frankfurt, Hong Kong, Any AA rated Bank in Europe or any Top 25 WEB.
    Age: One Year, One Day
    Leasing Price: 4% of Face Value plus 1% commission fees to brokers.
    Delivery: Bank to Bank SWIFT.
    Payment: MT-760.
    Hard Copy: Bonded Courier within 7 banking days.

    All relevant business information will be provided upon request plus our terms and
    procedures.

    Kwenyuen0@gmail.com

    Company Name: N & n Financial Service Limited

    Skype: nandnfinserviceltd10

    ReplyDelete
  74. We are direct mandate to providers and facilitators of all types of Bank Guarantee (BG), SBLC for Lease and Purchase. We engage in MTN, PPP programs, MT109, MT799, MT760, Loans, Sale and Lease of Financial Instruments. In addition we have a track record of 100% deliverance rate with the best workable procedures in the Financial Instruments industry. Our providers are very reliable and ready to transact.

    We have an excellent relationship with top rated banks in both Europe and Asia, Stock brokers and financial institutions all over the world. Within a short and transparent transaction period we can provide the SBLC/BG for your Heavy/Light project funding.

    We look forward to your cooperation as we establish a successful business relationship.
    Anticipating your inquiry

    Email: tekstructuredfinanceltd@gmail.com
    Skype: tekstructuredfinanceltd

    Regards
    David Thomas
    TEK STRUCTURED FINANCE LTD
    BROKERS ARE WELCOME

    ReplyDelete
  75. We are major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.
    we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable.

    DESCRIPTION OF INSTRUMENTS:
    1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)
    2. Total Face Value: 10M MIN to 50B MAX USD or Euro
    3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .
    4. Age: One Year, One Day
    5. Leasing Price: 4 1%
    6. Sale Price: 32 2%
    7. Delivery by SWIFT .
    8. Payment: MT103-23
    9. Hard Copy: Bonded Courier within 7 banking days

    We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct.

    Name:May Gary
    Email:algecoglobalfinanceplc@gmail.com
    Skype::algecoglobalfinanceplc


    ReplyDelete
  76. IQ FINANCE PLC provides a full financial planning service to both the commercial and domestic markets. At IQ FINANCE PLC we believe that financial planning is about two things: creating wealth and protecting wealth. These two objectives are at the heart of everything we do. And, as a member of IQ FINANCE Services, we give you a small-company service but with a large-company set up – the best of both worlds.

    You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc. Our terms and Conditions are reasonable.

    Leasing Price : 4%+1%
    Buying Price: 32%+2%

    Contact us for more details on our terms and procedure of transaction.

    WALSH SMITH, ROBERT
    email : info.iqfinanceplc@gmail.com
    skype: cpt_young1

    ReplyDelete

  77. Do you need a legitimate and fast loan service?
    We are currently offering 3% Loans of all Kinds, Business loans, Personal Loans, Car Loans, Agricultural Loans, or Project funding? We offer loans to companies and individuals worldwide, debt consolidation, even though you have a
    low credit scores and finding it hard to get Loans from your local Banks or any financial institutions? , and now having a hard time dealing with your bank, or any other financial institutions? Do you need an urgent loan if yes Email us back via
    (ryanloaninvestment001@outlook.com ) we Give all types of Loans .

    ReplyDelete
  78. We are A finance firm duly registered in 7620 Tysons Boulevard McLean, Virginia 22102-4261 United States of America. Our Group invite you to partner with us and benefit, We Provide leasing of Bank instruments such as; Bank Guarantees (BGs), Medium Terms Notes (MTNs), Standby Letter of Credits (SBLCs), Letter of Credits (LC), Bank draft Project Finance/Funding.

    we will have your projects 100% funded such as Real Estate Development, Aviation Service, Agriculture Finance, Petroleum Importation, Telecommunication, construction of Dams or Bridges and all kind of projects.

    Currently, We are looking for brokers and financial consultants that will work with us as our agents and representative.


    kindly: Contact Us

    H.S. Holdings LLC
    Sent by: Howard Steven
    Title: Head of Management, Project Finance & Bank Instruments
    Pin Number: H.S.114687969
    Registration No. 02587815
    7620 Tysons Boulevard McLean, Virginia 22102-4261 United States of America
    Telephone: +18573099199
    E-mail: info@hshllc.net
    website: www.hshllc.net

    ReplyDelete
  79. GOLDEN CROWN FINANCE PLC is a British based financial consulting company with years of experience in the international and local finance market. Be it lease bank guarantee, Stand by letter of credit or any type of refinancing, talk to our team at GOLDEN CROWN FINANCE PLC and certainly we will set your business on the right path with our sound and quality financial advice and services.

    Our bank instrument can be help you fund you projects in Trading, funding project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects.Having years of professional, invaluable experience in the banking and finance industry, and having access to dozens of different prominent trusted and reliable providers, our Financial Services consultants will crawl through hundreds of products to find one that perfectly matches your needs.

    Purchase Instrument of BG/SBLC : 32%+2% Min Face Value cut =5M- 10B EUR/USD

    Lease Instrument of BG/SBLC : 4%+2% Min Face Value cut = 5M- 10B EUR/USD
    DESCRIPTION OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG / SBLC) (Appendix A)
    2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
    3. Issuing Bank: HSBC Bank London, Barclays, Credit Suisse and Deutsche Bank Frankfurt.
    4. Age: One Year, One Month
    5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
    6. Delivery: Bank to Bank swift.
    7. Payment: MT-103 or MT760
    8. Hard Copy: Bonded Courier within 7 banking days.

    Name; Liam Callum

    Email; goldencrownfinanceplc00@consultant.com
    Email; goldencrownfinanceplc00@gmail.com

    ReplyDelete
  80. Dear Sir,

    We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffeur driven offers.

    We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

    The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760,
    Description OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG/SBLC)
    2. Total Face Value: Eur/USD 5M MIN and Eur/USD 10B MAX (Ten Billion EURO/USD).
    3. Issuing Bank: HSBC Bank London, Barclay's bank London,Credit Suisse and Deutsche Bank Frankfurt.
    4. Age: One Year, One Month
    5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
    6. Delivery: Bank to Bank swift.
    7. Payment: MT-103 or MT760
    8. Hard Copy: Bonded Courier within 7 banking days.

    We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me.


    Regards,
    kelvin Brigth
    Skype: kelvinbrigth84@gmail.com
    Email: kelvinbrigth84@gmail.com
    Phone: +447031956543

    ReplyDelete
  81. Do you need Finance?
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    ReplyDelete
  82. Do you need Finance?
    Are you looking for Finance?
    Are you looking for a money to enlarge your business?
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    ReplyDelete
  83. GOLDEN CROWN FINANCE PLC is a British based financial consulting company with years of experience in the international and local finance market. Be it lease bank guarantee, Stand by letter of credit or any type of refinancing, talk to our team at GOLDEN CROWN FINANCE PLC and certainly we will set your business on the right path with our sound and quality financial advice and services.

    Our bank instrument can be help you fund you projects in Trading, funding project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects.Having years of professional, invaluable experience in the banking and finance industry, and having access to dozens of different prominent trusted and reliable providers, our Financial Services consultants will crawl through hundreds of products to find one that perfectly matches your needs.

    Purchase Instrument of BG/SBLC : 32%+2% Min Face Value cut =5M- 10B EUR/USD

    Lease Instrument of BG/SBLC : 4%+2% Min Face Value cut = 5M- 10B EUR/USD
    DESCRIPTION OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG / SBLC) (Appendix A)
    2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
    3. Issuing Bank: HSBC Bank London, Barclays, Credit Suisse and Deutsche Bank Frankfurt.
    4. Age: One Year, One Month
    5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
    6. Delivery: Bank to Bank swift.
    7. Payment: MT-103 or MT760
    8. Hard Copy: Bonded Courier within 7 banking days.

    Name; Liam Callum

    Email; goldencrownfinanceplc00@consultant.com
    Email; goldencrownfinanceplc00@gmail.com

    ReplyDelete
  84. I am direct to a project Funder who is also known as private lender they specialized in bank instrument lease and sales their funds is purely earned from private and corporate investment portfolios without criminal origin.With the group capital fund which are specifically for lease/sale in form of bank instrument. The Financial institution can finance your signatory projects such as Real Estate Development, Aviation Service, Agriculture Finance, Petroleum Importation,Telecommunication, construction of Dams or Bridges and all kind of projects.

    The bank instrument can be use for purchase of goods from any manufacturer irrespective of their location. It can also serve as collateral with any bank in the world to secure loan for your project or to establish line of credit with your bank. We offer Bank Guarantee , all are issue from AAA Rated bank such as Deutsche Bank, HSBC Bank, UBS Zurich, Barclay's
    Bank , Standard Chartered Bank E.T.C. For more information, Endeavour to contact me as your convenient time.

    DESCRIPTION OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
    2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
    3. Issuing Bank: HSBC Bank London, Barclays, Credit Suisse and Deutsche Bank Frankfurt.
    4. Age: One Year, One Month
    5. Purchasing Price: 32% of Face Value plus 2% commission fees to brokers.
    6. Leasing Price: 4% of Face Value plus 2% commission fees to brokers.
    7. Delivery: Bank to Bank swift.
    8. Payment: MT-103 or MT760
    9. Hard Copy: Bonded Courier within 7 banking days.

    We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct.

    All relevant business information will be provided upon request.
    If Interested kindly contact me via Email,

    Contact Email: farringtonstevenray129@gmail.com

    skype: .....Farrington Ray

    Regards,

    Mr Farrington Steven Ray

    ReplyDelete
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  89. We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )

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  90. Dear Sir,

    We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffeur driven offers.

    We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

    The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760,
    Description OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG/SBLC)
    2. Total Face Value: Eur/USD 5M MIN and Eur/USD 10B MAX (Ten Billion EURO/USD).
    3. Issuing Bank: HSBC Bank London, Barclay's bank London,Credit Suisse and Deutsche Bank Frankfurt.
    4. Age: One Year, One Month
    5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
    6. Delivery: Bank to Bank swift.
    7. Payment: MT-103 or MT760
    8. Hard Copy: Bonded Courier within 7 banking days.

    We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me.


    Regards,
    kelvin Brigth
    Email: kelvinbrigth84@gmail.com
    Skype: kelvinbrigth84@gmail.com
    Phone: +447546769978
    +447031956543

    ReplyDelete
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  92. We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease/sales, our bank instrument can be engage in PPP Trading, Discounting, signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffeur driven offers.

    We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

    The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee/Standby Letter of Credit will be paid after the delivery of the MT760,

    Description OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG/SBLC)
    2. Total Face Value: Eur/USD 5M MIN and Eur/USD 10B MAX (Ten Billion EURO/USD).
    3. Issuing Bank: HSBC Bank London, Barclay's bank London,Credit Suisse and Deutsche Bank Frankfurt.
    4. Age: One Year, One Month
    5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers while for sales 32%+2%.
    6. Delivery: Bank to Bank swift.
    7. Payment: MT-103 or MT760
    8. Hard Copy: Bonded Courier within 7 banking days.

    We are ready to close leasing/purchasing with any interested client in few banking days, if interested do not hesitate to contact me.

    Regards,
    Robert Francis,
    Skype: robfrancis7
    +447546769978
    +447031956543
    Email: robertfrancis767@gmail.com

    ReplyDelete
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    ReplyDelete
  94. We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project (s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffer driven offers.

    We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

    The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760,

    DESCRIPTION OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
    2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
    3. Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
    4. Age: One Year, One Month
    5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
    6. Delivery: Bank to Bank swift.
    7. Payment: MT-103 or MT760
    8. Hard Copy: Bonded Courier within 7 banking days.

    We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct. wrightjames931@gmail.com

    Regards,
    Wright
    Skype;
    wrightjames931@gmail.com

    ReplyDelete
  95. EASY LOAN PROGRAM 
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  96. We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project (s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffer driven offers.

    We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

    The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760,

    DESCRIPTION OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
    2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
    3. Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
    4. Age: One Year, One Month
    5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
    6. Delivery: Bank to Bank swift.
    7. Payment: MT-103 or MT760
    8. Hard Copy: Bonded Courier within 7 banking days.

    We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct. wrightjames931@gmail.com

    Regards,
    Wright
    Skype;
    wrightjames931@gmail.com

    ReplyDelete
  97. Finding a genuine provider of financial instrument is very challenging but we are certified Financial Instrument providers in United Kingdom. Presently, we only focus on BG/SBLC for Lease and Sale transactions. However, our Lease BG/SBLC is 6+2% and Sale at 40+2%.

    Should you find this interesting and acceptable? Kindly, contact us and we shall review and respond with draft Contract/MOU within 48hrs maximum.

    Please request for full procedure details if interested.

    For further inquiry contact:Wright James
    Skype:
    wrightjames931@gmail.com
    Email:
    wrightjames931@gmail.com

    ReplyDelete
  98. Are you having one or two difficulties from other financial instrument lender? I want you to take a chance with us you will never regret doing business deal with our firm.We have direct and efficient providers.

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  100. We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project (s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffer driven offers.

    We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

    The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760,

    DESCRIPTION OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
    2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
    3. Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
    4. Age: One Year, One Month
    5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
    6. Delivery: Bank to Bank swift.
    7. Payment: MT-103 or MT760
    8. Hard Copy: Bonded Courier within 7 banking days.

    We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct. wrightjames931@gmail.com

    Regards,
    Wright
    Skype;
    wrightjames931@gmail.com

    ReplyDelete
  101. Finding a genuine provider of financial instrument is very challenging but we are certified Financial Instrument providers in United Kingdom. Presently, we only focus on BG/SBLC for Lease and Sale transactions. However, our Lease BG/SBLC is 6+2% and Sale at 40+2%.

    Should you find this interesting and acceptable? Kindly, contact us and we shall review and respond with draft Contract/MOU within 48hrs maximum.

    Please request for full procedure details if interested.

    For further inquiry contact:Wright James
    Skype:
    wrightjames931@gmail.com
    Emai:
    wrightjames931@gmail.com

    ReplyDelete
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    -E-MAIL LEA-DS

    -D-U-M-PS + P-I-N-S

    -PHONE NUMBER L-EADS

    -T-OO-LS A-vailable

    -S-SN P-ROS (700+ CS)

    *F-ullz/l-ead with D-L n-um + E-XPIRY DATE

    *F-ullz with Good c-redit score(Any s-tate)

    *S-SN+D-OB

    *Premium i-nfo

    *E-I-N P-I-N L-EA-DS

    -In-valid or Wrong f-ullz can be replaced
    -Free s-amples can be provided only for big Deals
    -Can get specific s-tate,zip code,age etc...
    -Payment method C-rypto,PM,Pay-pal

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  149. Dear Associate,

    We are ready, willing and able to close transaction(s) with any interested party in few banking days as requested, if interested do not hesitate to contact us via the contact details below;

    Our banking instruments are fully cash backed hence can be transferred from one banking coordinate to another banking co-ordinate. We can carry out any bank to bank swift in accordance with our working procedures. We deal with the direct principal, brokers and mandate.
    For further inquiries:

    Contact
    MR : Chayan Savangsri
    Skype ID: chayan.lease@gmail.com
    Email : chayan.lease@gmail.com
    Whatsapp :


    Best Regards
    Managements

    ReplyDelete