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Lord Neil B Gibson

A Google search for “Lord Neil B Gibson” will bring up results that are both correctly attributed to Lord Gibson as well as numerous websites that have been engaged in the practice of slandering Mr. Gibson for their own gain. Lord Beil B Gibson, also known as “Lord Neil Benjamin Gibson” and “Lord Neil Gibson” is a well respected international businessman originally from the UK but currently enjoying a dual residence in California and Dubai. Gibson conducts business activities extensively from both locations, necessitating a residence in both countries from which he can operate. Lord Gibson specializes in “relationship business” through which he cultivates both personal and business connections which can be drawn upon for different aspects of expertise with regards to projects that Gibson himself has spearheaded. For these reasons, it is important for those conducting research on Google for any search engine understand that the results being delivered for searches for his name are compromised by articles on websites that are designed specifically to confuse and convolute potential partners. These results masquerade as legitimate news or information sources, and will generally utilize a strategy of mixing factual elements with made up elements, presenting a story which appears as though it could possibly be true. This strategy is simply to make it appear that Gibson conducts business in a way that could be potentially dangerous to a partner.

Lord Neil B Gibson relies upon his reputation in order to facilitate the relationships he needs in order to execute projects to completion. For this reason, the attacks on his character are so important to be retaliated against. In structured deals where partners are investing time, money and trust into a partnership that is based many times upon a handshake and an understanding that the outcome will provide mutual benefits to all involved, these attacks upon his character make the process difficult by creating doubt. Gibson has had several instances where a potentially compromised reputation, harmed by internet articles on tiny websites, may have done so much damage that entire communities suffer. A perfect example of this situation is Belize, where Gibson began the initial stages of presenting to government officials his plans to provide an inclusive development plan for Cayo South which would include improvements to most aspects of infrastructure, and building that which did not currently exist. These plans were made so as to create a situation where eventual exploitation of natural resources in the area would provide not only shared profits for investors, but income in the form of jobs and opportunities to the residents of the area. The local news stations got ahold of the idea that Gibson had less than pure motivations when he actively campaigned for the election of his friend Ralph Huang to a local governmental position, and ran several stories calling their relationship into question. These negative stories still arise today when Google is searched for “Lord Neil Gibson Belize” and as a result Gibson decided to abandon his project for better opportunities in areas where the media was not so critical. This is a loss to the people of Belize.

If you are researching Lord Neil B Gibson, you are requested to only utilize official websites for information, as most unofficial Gibson websites have notoriously spread rumors and false information.

Mr. Faisal ALQahtani Joins Lord Neil Gibson

FAISAL-255x300Lord Neil Gibson is pleased to announce the addition of Mr. Faisal ALQahtani to the list of talented associates that make up the team of SFBBL and LNBG LLC. Mr. ALQahtani completed his university education and was a member of more than a public body and has a private association. He was leading youth work in Saudi Arabia and being a real support to expend trade cooperation between different countries and The Kingdom of Saudi Arabia.

He is a Chairman of several companies in diverse areas of the field of free trade and contracting and industrial, electrical, medical and logistical support to many of the biggest firm in the region. Mr.Faisal is a essential part of the Board.

PROPOSAL FOR THE IMPLEMENTATION OF WATER, ENERGY, HOUSING AND FINANCIAL SOLUTIONS (SAUDI ARABIA)

PROPOSAL FOR THE IMPLEMENTATION OF WATER, ENERGY, HOUSING AND FINANCIAL SOLUTIONS

FOR
THE KINGDOM AND COMMUNITIES OF SAUDI ARABIA
2015/2020

Prepared by:

Mr Maurizio T Adriano Project Director

Table of Contents

Overview Page
Executive Summary 3
Mission Statement 3

Project Outline

Water

4
Energy 7
I. Solar
II. Wind
Housing 11
Schools and Hospitals 16
SEED 18
SFBBL International Finance/SFBBL DMCC UAE 19
Conclusion 20
Board of Directors 21

EXECUTIVE SUMMARY
This business proposal is based on our years of experience, in the delivery of successful projects. It is therefore, an overview of what can be achieved in the Kingdom of Saudi Arabia rather than what should be done. We understand that the government of Saudi Arabia knows its people, its land and lives its heart beat. While we can and do grasp the great need that exists, what you will find within this business proposal is our analytical approach to assisting Saudi Arabia, in furthering its economic and environmental stance whilst guiding its people to a heightened place of independence, sustainability, and a new sense of prosperity and positive growth.
SFBBL would welcome the opportunity to help the government of Saudi Arabia improve its already proud country, and be a part of furthering a positive growth.

MISSION STATEMENT
Lord Neil B. Gibson through SFBBL International Finance, and the SEED Foundation, a registered 501(c)(3) non-profit organization, propose an economic and environmental reform to include the delivery of an efficient and clean water supply, renewable energy, low cost housing, revitalization of hospitals, as well as, the implementation of additional schooling for the benefit of the Saudi Arabian government and it‘s communities. In addition to this, we will introduce a private banking enhancement program through which the necessary funding for the herein proposed projects will be achieved.

WATER
DESALINATION
Desalination technologies can be used for many applications. The most prevalent use is to produce potable water from sea water for domestic or municipal purposes, as well as, for industrial applications, especially in the oil & gas industry. We propose to introduce desalination plants fitted on ships docked outside the main ports.
Introduction: Sea Water Desalination Vessel (SDV)
This type of desalination has long been employed used in merchant ships in past years to generate the fresh water to satisfy the regular need on board the ship. Using the same concept, the idea of creating a desalination vessel that is purely meant to generate fresh water onboard the ship is already a reality. This is environmentally friendly and also is an alternative solution for land-based desalination technologies.
Dry dock to wet tap: Old ships become floating desalination plants

Technology Used in Sea Water Desalination Vessels
The use of the old tankers and crude oil carriers that have undergone a conditional assessment survey stating that the vessel cannot be further used to carry oil or oily products due to its reduced hull thickness. These vessels are purchased and modified into seawater desalination vessels.

The modification is done in dry dock where the cargo tanks are converted into the fresh water storage tanks, and new sets of reverse osmosis plants for desalination of the sea water are installed. To make it drinkable, water treatment plants like chlorine sterilization conditioning, the Electro-Katadyn method of sterilization, and the use of UV filters to remove bacteria and other microorganisms from the fresh water are used. The treated water is then stored in the storage tanks and kept ready for discharge at appropriate water platforms.
On the shore, water platform-like structures are built where the ship is able to reach the platform and deliver the fresh water to the shore through a flexible cable connecting the ship‘s discharge to the shore side tanks.
Normally the platforms are built near to the shore at the distance of (1-2 km) as the ship can directly come to the platform and pump out the fresh water to the shore tanks.
These platforms are built at equal intervals on every city near to shore, as it can supply freshwater to those cities at a regular intervals of time, say about twice a week.

Advantages of Seawater Desalination Vessel Technology
 SDV is reliable water source even under the extreme weather conditions.

 It is mobile which reduces the cost of transportation of the produced fresh water, as in the case of land-based desalination systems fresh water in the plant has to be transported from the production place to nearby cities by land. As transporting through land is very costly, instead we can install new fresh water platforms on the shore near city as it is cost effective for transportation by sea.
 Construction of the desalination vessel is cheap because it is modified from a tanker, and erecting the platform is also cost effective because it is near to the shore where the depth of water will be less.
 These vessels make use of both the type of desalination methods of evaporation type and Reverse osmosis RO type. The vessels are driven by marine diesel engines which have a high jacket cooling water temperature sufficient for waste heat to generate the

fresh water through an evaporator type of desalination plant. Thus it is also an energy efficient system using the waste heat from the running engine to generate fresh water.
 These vessels generate their own power, which reduces transmission losses between the power grid and the desalination plant.
 The ships can supply fresh water to one or more cities as it can be moored near the shore.
 It reduces the amount of chemicals used to pretreatment of the water as the sea water is not taken from close to the shore, which reduces pretreatment costs as the power, chemical, and waste disposal is far less in deep waters.
 It has a minimal environmental impact compared to land-based desalination plants, as in land based sea water desalination plants it discharges the waste brine solution near by the shore which will contained the pretreated chemical in turn it will affect the local ecosystem. This does not happen in the SDV as it desalination process is carried out during its voyage so it reduces the pretreatment chemicals being used and the discharge of brine solution is being carried out at a constant discharge rate while the ship in enroute. This kind of discharge will not affect the local ecosystem.
 Its processing is fast and less complex than the land based desalination system.

Proposed Target Location: TBD

Total Estimated Costs: TBD

ENERGY
SFBBL has been part of renewable energy projects in the past, fully grasping its application and tremendous benefit in addressing and supplying a constant need for consumable energy. We propose to use wind and solar as the overall make up for renewable energy. These have been historically effective and have been known to create a greater degree of independence from other factors and elements.
This briefing focuses on the outlook and challenges for renewable energy projects in Saudi Arabia. It gives an overview of Saudi Arabia‘s domestic energy resources, planned projects and the factors driving Saudi Arabia‘s energy strategy.
Context
The world’s largest oil exporter, Saudi Arabia, has an ambitious plan to create 54GW of renewable energy; 9GW of this will be generated by wind, by 2032. However, questions are already being raised as to how this new capacity will be assembled and financed.
There are very real fears in the kingdom that Saudi Arabia’s rapidly rising population and electricity consumption, combined with its current dependence on oil and gas-fired power stations, could rapidly deplete the country’s already dwindling oil reserves. As a result, the kingdom has set out a plan for a future power mix that by 2032 will see less than half of its generating capacity come from hydrocarbons at 60GW, 17.6GW from nuclear, and 54GW from renewables.
The 54GW renewables plan was updated in late February to provide more details to the market. This is ahead of an introductory round to be launched by the King Abdullah Centre for Atomic and Renewable Energy (KA-CARE) later this year, tendering between 500MW and 800MW of capacity.
This introductory round is expected to cover the range of technologies Saudi is looking at for its entire programme, which is largely dominated by solar. Of the 54GW planned for 2032, 41GW is expected from photovoltaic and concentrated solar power, 9GW from wind, 3GW from waste to energy and the remaining 1GW from geothermal sources.
Of the 9GW wind expected to be procured, just under 2GW is due to be tendered over the next three years. Following the introductory round, where perhaps 100-150MW could be expected to be contracted , there will be two tendering rounds launched between now and 2016 that will include 650MW of wind in the first round and 1.05GW in the second round.
Each wind project will be underpinned by a 20-year power purchase agreement (PPA) with the state-owned Sustainable Energy Procurement Company (SEPC).

Kick-start
With many wind developments in the region stalling — countries such as Egypt have ambitious wind plans that were mothballed following the Arab spring uprisings in 2011 — SFBBL believe the Saudi renewables programme could act as a kick-start for the wider region.
“There is great promise for renewables in the region, but what we have seen to date, with the great distractions that political unrest has caused, we have yet to see rhetoric turned into firm delivery with a few notable exceptions in North Africa,” (Ernst & Young).
Saudi Arabia will be a catalyst that will filter through other regions in Africa. If you look at the Gulf States they are all looking at each other, waiting to see who goes first. Saudi, if it all gets developed it will certainly be the kick-start the region needs.
Saudi Arabia has a strong track-record of project financing independent power plants (IPP) via state-guaranteed long term PPAs, and it is likely that the financing of wind projects will follow a similar structure in the first few phases, with a feed-in tariff potentially introduced after rounds one and two.
While local banks will play a key role in project financing, it is unlikely there will be sufficient money available to cover the sheer number of projects that are due to be tendered, meaning there will certainly be a role for SFBBL, international banks and investors.
We at SFBBL would like to see international institutional capital investing in the Saudi projects through private equity funds.
Although local banks can help provide Sharia-compliant financing, the sheer volume of capital required in this programme will need international investors and the expertise of commercial banks to structure the deals.

Local content
While international finance looks set to play a key role in the Saudi renewables programme, one area where KA-CARE has declared a bias towards local involvement is the production and construction of projects.

In its document published last month, which outlined the proposed competitive procurement process, KA-CARE revealed that the levels of local content and local labour proposed by bidders will play a role in the points awarded to bids in the tendering process. For wind, maximum points will go to bids in the first round where 50% of the project components are produced locally, and 60% in the second round. There is a minimum requirement of 20% local content, although no points will be awarded for this level. Any bids with local content between these two extremes will be awarded on a sliding scale.
Within the overall local content scores, KA-CARE has awarded different scores to different components, with a view to encouraging the production of certain components in Saudi Arabia. For example, blades and towers are awarded a score of 50%, while gearboxes are given a 100% rating and nacelle assembly just 25%. These scores, along with the scores of all other components, would then be averaged out to give the overall local content level.

Types of Wind Turbines
Modern wind turbines fall into two basic groups: the horizontal-axis variety, as shown in the photo to the bottom left, and the vertical-axis design, like the eggbeater-style Darrieus model pictured to the immediate right, named after its French inventor. Horizontal-axis wind turbines typically either have two or three blades. These three-bladed wind turbines are

operated “upwind,” with the blades facing into the wind. Wind turbines can be built on land or offshore in large bodies of water like oceans and lakes.

Conclusion
Saudi Arabia has far reaching ambitions for the renewable energy sector. With domestic demand for power rising steadily, investment in developing energy from renewable sources is critical.
The Kingdom has achieved significant progress and has taken important steps to reforming the policy and regulatory framework.
Closing Statement
We at SFBBL are committed to the context of enhancing Saudi Arabia‘s renewable energy framework and addressing these historical issues. SFBBL International Finance as part of its Sustainable Development Initiative is considering the development of market-based financing mechanisms for energy efficiency and renewable energy projects in Saudi Arabia.
These may take the form of:

• dedicated energy efficiency and renewable credit lines that provide funds to local financial institutions for on-lending for investments in energy efficiency and/or renewable energy projects
• direct lending facility under which lending to medium sized projects can be facilitated
• involvement of Energy Service Companies in energy efficiency projects
• direct financing of energy efficiency and renewable energy projects in larger companies or as a standalone project
• running workshops for local banks in Saudi Arabia, familiarising them with the risks and structures involved in deals of this nature

HOUSING
Shipping Container Home construction has become one of the biggest home and office construction trends globally.
Since 2005 shipping containers began to appear in many news stories in the U.S., Canada, UK, Netherlands, China, Australia, New Zealand, and much of Europe. Shipping container construction has become popular for not only homes, but for offices, hotels, student housing, safe rooms, and emergency shelters.
ISBU HOUSING
The kind of housing units are typically modular in design and scalability, most often benefiting building or residential project structures from Inter Model Steel Building Units (ISBUs), commonly known as shipping container houses.

high cube versions.

Shipping containers are made from special steel and therefore strong enough to withstand rough conditions at seas and long exposure to outside elements while being able to protect the goods stored inside. They are made to a standard set of measurements in order to be stackable the world over. There are 3 sizes – 20, 40 and 53 feet long. Each container has a width of 8 feet and a height of 8 feet 6 inches or 9.6 in

Because of their uniform size, large number, and that they were built to last, it became important to consider alternative uses for containers that began to stack up in back lots and shipping docks. Years ago, the military initially explored their potential for portable operation centres. It wasn‘t too long, however, before their low cost and availability attracted the attention of architects and builders as means to create safe, fast, inexpensive structural designs for hospitals, office spaces, apartments, and homes.
Besides the obvious quality of building material, there are several eco advantages to the use of this component. Globally these containers are discarded after their service life is finished. They are then used for artificial reefs, thrown in landfills or melted for scrap. The availability of these containers globally reduces our need to manufacture from virgin materials which are precious resources for the future of the world.

Building with Shipping Containers

Benefits

The initial thoughts many often have of living in a shipping container modular home are images of cold, tight quarters, surrounded by ugly, metal boxes, haunted by irritable sounds and echoes. Such misconceptions couldn‘t be further from the truth.
In reality, quality elements such as stone and glass, including exterior and interior paints or coverings, create a finished product that is, in fact, viewed by most modern critics as a sleek and sophisticated styling punctuated by crisp lines.
Paints with exterior ceramic particles are used in sun drenched, dry conditions to effectively block unwanted UV rays, and significantly deflect heat. The interior is painted with similar substances, which includes even greater anti-microbial shielding from all forms of bacterial and fungal growth, and create comfortable living temperatures.
The placement of the containers is largely versatile and can be executed in several ways to accommodate local surroundings, while consciously reducing the impact on precious flora and fauna. The units can also be placed on top of pre-stressed concrete pillars, poured foundations, block foundations, or wooden platforms with walk-around decking.

This finished house is virtually indistinguishable from conventional housing.

Features
The average unit features liveable interior space from 160 sq ft to as much as 1,000 + sq ft. with 1 up to 5 bedrooms, and 1 up to 3 bathrooms. The units also boast reclaimed water containment, L.E.D. low impact 12v lighting, fully functioning kitchen with stove top, sink, storage and refrigerator. Some even enjoy sliding glass doors and hurricane shutters.
Below is an example of a basic floor plan with 2 bedrooms.

Style
Architects and Interior Designers have found new and invigorating challenges in creating design styles that are not only economically efficient, but visually captivating as well. ISBUs present unique and highly diverse ways to express modern influences while embracing the minimalist movements found to be chic by many critics, hipsters, celebrities and high profile business men and women around the world.

SFBBL project for a University/College student housing campus.

Proposed Target Location: TBD

Total Estimated Costs: TBD

Key Points

1. Environmentally friendly making use of existing materials (structure from ISBU) rather than require additional materials from the environment, such as trees for lumber.
2. Less expensive than wood construction, particularly through discarded shipping containers.
3. Faster build times as containers are pre-fabricated.

4. Easily expandable, with humorous, yet surprisingly realistic, comparisons to building with Lego‘s as the container‘s design allows for stacking or side by side placement, including the allowance of one or more walls removed to increase interior space.
5. Fire resistant.

6. Mould resistant.

7. Insect damage resistant.

8. Ability to stand up to strong winds and heavy storms (tested up to category 5 conditions).

SCHOOLS AND HOSPITALS
The ISBU housing we are able to arrange is highly cost effective and significantly less than traditional low income housing construction. All of our projected containers will be painted with an exterior ceramic particle paint which blocks UV rays and deflects up to 94% of all heat from the sun. The interior, as well, will be painted with a similar paint shielding anti- microbial forms of bacteria and fungus growth. This micro coating will assist in maintaining a comfortable temperature inside the homes.
Included in the development will be wellness centres (medical clinics) and schools to alleviate care management, and training facilities for not only the community inhabitants furthering job employment, but also the development staff, so that the ecovillage is managed efficiently at all times. The training facility will also enable other local groups to be trained to perform certain aspects of the construction, adding to the job creation.
Wellness and Education Centres (Schools)
While the shipping container home trend is becoming increasingly popular among the financial elites for its fashion statements, the core principal and success of these models have been utilized in over 70 countries for truly bettering communities in need, providing everything from public and student housing to office buildings and schools. Since its deployment in the 1960s as full functioning hospitals, ISBUs have served the lives of millions around the globe.
These constructs are designed to further the bodies (make well), the minds (acquisition of important job skills) and spirits (collective wellness of healthy body and healthy mind) of the community people so that they may improve their families and themselves directly, becoming that much closer to sustainability and then, positively contributing to the community as a whole.
Below are examples of ISBUs converted into schools.

School built in Guadalajara, Mexico from containers

By creating a model ecovillage through ISBU structures, a proven natural stimulation to the local community occurs, resulting in eco-friendly solutions to housing the masses safely. Ultimately, the by-products of the village are sold as commodities to other villages nearby as well as on the global market, enhancing the local and larger economy.
Conversely, an increased village footprint reduces the village carbon footprint each day by processing in a single location. Shared community generation of utilities and clean water sources are able to bring a better quality of life to local residents, as micro medical facilities within each location will boost a more focused healthcare system, along with connecting villages to the government health care system.
University study programs will also be created, inviting foreign students to cooperate with the project and learn how to create their own sustainable model.

S.E.E.D
Benefits Brought By Lord Neil B. Gibson and SFBBL International Finance

The SEED Foundation is a registered 501(c) (3) non-profit entity in good standing, capable of providing donors with tax deductions, of whose involvement will reduce the overall cost to construct and deliver materials. A future sovereign tax credit offering will be generated by the eco-villages themselves with carbon credits created through the village operation.
Target properties and land have been identified, with soil and eco samples being collected to ensure the base eco system is viable for site needs.
Interested companies here in the United States and the European Union are supporting our request for donations in the way of materials, shipping, equipment or financial. The general interest generated by the GOB, induced further action on our part to consult with urban planners to bring the project to the next phase.
The SEED Foundation will provide a complete package describing all necessary materials to construct our proposed model village, including a list of donors and special tax forms for US and EU donors.

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SFBBL International Finance
SFBBL International Finance is able to offer full retail banking services, including the following.
1. Private Bank Solutions

2. Money Transfers and Payments

3. Custodial Safe Keeping

4. Securities FX Trading

5. SWIFT

6. Merchant Accounts

7. Specialized Lending

Micro Lending

Lending will be composed of both commercial and micro lending products.

The products and services range from highly competitive interest rates, asset leveraging, capital enhancement, debt reduction strategies and small, low income based loans for immediate needs, commonly related to small farming, livestock, etc.
In Development:

Low Income Housing Program

We are finalizing a program that will provide much needed financial support for the construction of government approved housing units in designated areas, allowing families to obtain adequate housing as a first bridge to promoting economic growth to the citizenry. The program will be supported in connection with the efforts of the SEED FOUNDATION, to provide a balanced approach to funding of basic needs to foster a working environment for families in need. Loan balances will not exceed $10,000.00 and will provide for low interest and long term repayment periods and rental allowances.
School Funding and Supplies

Contingent upon final details, we are prepared to offer an educational program focused on financing existing schools, including the opening and construction of new classrooms, along with arranging for adequate supplies to be provided.
SFBBL International Finance maintains extensive relationships to obtain and deliver a number of much needed school supplies, from text books to computers and much more.

In addition to the above all projects can be funded through any of the listed banks below with participating local Banks and Government agencies. We have the ability to raise guarantees and Standby Letters of Credit to fund the necessary projects.
CENTRAL BANK OF BRAZIL HSBC, HK
HSBC, JAKARTA

MANDIRI BANK, JAKARTA HSBC, LONDON SANTANDER BANK, SPAIN MAY BANK, MALAYSIA BANK OF KAZAKHSTAN

CONCLUSION
We trust you found the contents of this conceptual business proposal intriguing and educational, and welcome opening dialogue between your government and our company.
You will naturally have numerous questions and many thoughts of how you envision these programs potentially applied to the communities of your country. We look forward to any and all ideas you may have, and would very much appreciate an opportunity to review greater details with you.

Sources
• Windpower Monthly
• Arab News
• KA-CARE
• Renew Economy

Board of Directors

Lord Neil B. Gibson

Lord Neil B. Gibson is currently the acting chairman of a group of companies, which consist of a diverse conglomerate of domestic and international business.
Neil Benjamin Gibson became a Diplomat in the late 90’s and worked with financial institutions around the world. This enabled him to open relationships all around the globe.

He became an international leader of Humanitarian efforts, which became a true passion for Gibson. He quickly discovered that the many facets of the banking and the financial industry contain the components needed to offer financial solutions for underdeveloped communities in many nations. Such underdeveloped, nations are often overlooked by the majority of the
―financial giants‖.
Lord Gibson has made it his mission to give back to these communities. In doing so he has established ongoing international Banking relationships globally.

Mr Maurizio T Adriano

Mr Adriano is an entrepreneur with over 20 years experience at senior corporate level and currently holds the post of Project Director. His previous posts include that of MD, and CEO. His experience ranges from the oil & gas, to the financial, philanthropic, and humanitarian markets.

Mr Adriano currently handles all project preparation, evaluating environmental and local infrastructure, as well as, the contracting of consulting services, mergers and acquisitions, and negotiations.

Mr. Alabbas Babbar

Mr. Babbar is an experienced trilingual executive with over 15 years hands-on management experience. Included are Joint ventures, mergers and acquisition of multi million dollars, sales and marketing, supply chain, production and manufacturing lines.
Extensive experience in market and business development in multiple jurisdictions; managing and motivating business sales teams across different cultures; and monitoring and controlling production and sales effectiveness, including Revenue Management, Venture Capital.
Business Analysis, equity trading, Co-operative Banking. Managing Performance & Changing, including significant involvement with Middle East and GCC markets as well as markets across Canada, USA and Europe.

Mr. Ahsan Rafique

Mr Rafique is currently a Director at SFBBL and the CEO and President at Trust Investment Bank Limited.

Mr Rafique has been in commercial and investment banking for 30 years as well as maintaining key management positions in the private sector and Industrial Operations. He represents the best practices in the paradigm of financial and banking organization.

Mr. Ram Bhatia

Ram Bhatia has over 30 years of experience in the fields of Finance, Information Technology Systems, Operations, Banking, Marketing, Private Equity, Infrastructure Deals, Advisory and Consulting with a focus on Investments, Funds Placement and Client Relationship Management.

He is also presently a Director for Africa Region at Signature Group, Dubai, including Arab Insurance Group, TAIB Bank, and Citibank in Bahrain, TAIB Yatirim Bank in Istanbul, Turkey, ABRAAJ Capital and Abu Dhabi Investment Company (now Invest AD) in UAE.

Mr. Bhatia holds Bachelor of Commerce Degree from Mumbai University through Narsee Monjee College of Commerce & Economics, Mumbai, India with majors in Finance, Economics & Statistics. He also holds Diploma in Information Technology from National Computing Centre, UK, Certification of Computer Audit and Security Systems from Racal College, UK, Certification in Advanced Systems Manager from Novell Netware, US and Certified Investment Advisor from Citibank NA.

Ram Bhatia speaks several Indian regional languages i.e. Hindi, Sindhi, Punjabi, Marathi and Gujarat. Additional languages of fluency are in English and can converse fairly in Arabic & Turkish.

Mr. Kal Raslan

Mr. Raslan has professional expertise in interpersonal and organizational skills in addition to valuable experience to help assist the company in reaching its goals. Mr. Raslan has a BS in

business from Lewis and Clark University and specializes in Real Estate and RE Development around the world.
He is an active Real Estate broker in the UAE and a NCS certified construction specialist. He has been awarded with the Lifetime Achievement Award and Number One Team Leader Award for Remax Worldwide.
Mr. Salaheddie Abbassi

Mr. Abbassi is SFBBL‘s attorney, of Moroccan dissent, and holds a doctorate in International Law from Pantheon Paris University (2000). Mr. Abbassi specializes in contract law and dispute resolution.
Mr. Abbassi is well decorated such as being a member of the Nantes Board (2009-13) acting as attorney in European Court of justice for the French State, he is a member of the ‗Board of Trustees‘ for the Academy of European Law, Trier, and holds numerous distinctions for doctoral dissertations.

PROPOSAL FOR THE IMPLEMENTATION OF WATER, ENERGY, AND HOUSING SOLUTIONS (MOROCCO)

PROPOSAL FOR THE IMPLEMENTATION OF WATER, ENERGY, AND HOUSING SOLUTIONS

FOR
THE GOVERNMENT AND COMMUNITIES OF MOROCCO
2015/2020

Prepared by:
Mr Maurizio T Adriano Project Director

Table of Contents

Overview Page
Executive Summary 3
Mission Statement 3

Project Outline

Water

4
Energy 7
I. Solar
II. Wind
III. Sea
Housing 13
Schools and Hospitals 17
SEED 19
SFBBL International Finance/SFBBL DMCC UAE 20
Conclusion 21
Board of Directors 22

EXECUTIVE SUMMARY
This business proposal is based on our years of experience, in the delivery of successful projects. It is therefore, an overview of what can be achieved in Morocco rather than what should be done. We understand that the government of Morocco knows its people, its land and lives its heart beat. While we can and do grasp the great need that exists, what you will find within this business proposal is our analytical approach to assisting Morocco, in furthering its economic and environmental stance whilst guiding its people to a heightened place of independence, sustainability, and a new sense of prosperity and positive growth.
SFBBL maintains a presence within Pakistan as owners of Trust Investment Bank Limited, headquartered out of Lahore. We would welcome the opportunity to help the government of Morocco improve its already proud country, and be a part of furthering a positive Moroccan growth.

MISSION STATEMENT
Lord Neil B. Gibson through SFBBL International Finance, and the SEED Foundation, a registered 501(c)(3) non-profit organization, propose an economic and environmental reform to include the delivery of an efficient and clean water supply, renewable energy, low cost housing, revitalization of hospitals, as well as, the implementation of additional schooling for the benefit of the Moroccan government and it‟s communities. In addition to this, we will introduce a private banking enhancement program through which the necessary funding for the herein proposed projects will be achieved.

WATER
DESALINATION
Desalination technologies can be used for many applications. The most prevalent use is to produce potable water from sea water for domestic or municipal purposes, as well as, for industrial applications, especially in the oil & gas industry. We propose to introduce desalination plants fitted on ships docked outside the main ports.

Developments in desalination technologies are specifically aimed at reducing energy consumption and cost, as well as minimizing environmental impacts.
There is also a push to utilize renewable energy to power desalination plants; for example, Saudi Arabia has made a major investment in solar energy for desalination. In addition, Masdar has organized a program to pilot and help commercialize new energy saving technologies for desalination.

Environmental safeguards have become increasingly important in siting and permitting of new plants. Monitoring programs are being more widely utilized. Lower energy consumption reduces also a plant‟s carbon footprint, and in addition, new technologies are being used successfully to lessen disruptions to marine life during the intake and outfall processes.

In 2002 there were about 12,500 desalination plants around the world in 120 countries. They produce some 14 million cubic meters/day of freshwater, which is less than 1% of total world consumption.
The most important users of desalinated water are in the Middle East, (mainly Saudi Arabia, Kuwait, the United Arab Emirates, Qatar and Bahrain), which uses about 70% of worldwide capacity; and in North Africa (mainly Libya and Algeria), which uses about 6% of worldwide capacity.

Proposed Target Location: TBD

Total Estimated Costs: TBD

Key Points

1. Additional revenues through sales of bottled water.
2. Job creation, as well as, new skills development.
3. Contribute to the region‟s economy, while residents are ensured of high quality water suitable for drinking, irrigation and bathing.

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ENERGY
SFBBL has been part of renewable energy projects in the past, fully grasping its application and tremendous benefit in addressing and supplying a constant need for consumable energy. We propose to use wind and sea powered turbines as the overall make up for renewable energy. These have been historically effective and have been known to create a greater degree of independence from other factors and elements.
This briefing focuses on the outlook and challenges for renewable energy projects in Morocco. It gives an overview of Morocco‟s domestic energy resources, planned projects and the factors driving Morocco‟s energy strategy.
Context
Morocco is the only North African country with no natural oil resources and is the largest energy importer in the region with 96 per cent of its energy needs being sourced externally. The leading supplier of Morocco‟s energy requirements is Saudi Arabia at 48 per cent. By 2009 Morocco‟s energy bill had reached MAD62 billion (approximately US$7.3 billion) and electricity demand in the country is projected to quadruple by 2030.
Morocco is in a key geographical position that situates it as a regional hub and with an electricity network that is inter-connected with Spain and Algeria.
Outlook
In 2008 Morocco launched the National Renewable Energy and Energy Efficiency Plan, which aims to develop alternative energy to meet 15 per cent of the country‟s domestic energy needs and increase the use of energy-saving methods.
Morocco has the most ambitious renewable energy program in the MENA region. It expects 42 per cent (equivalent to about 6,000MW) of its total energy mix to come from solar, wind and hydroelectric sources by 2020. It has more planned wind and solar projects than anywhere else in the region.
Morocco has a track record of implementing renewable energy schemes. However historically, inadequacy of regulatory framework, a lack of finance, and a piecemeal approach to renewables have all hindered the sector‟s development.
In an effort to tackle rising electricity demand and pressure to reduce dependence on fossil fuels, the Moroccan government has been luring developers to set up renewable energy projects.

Moroccan Solar Plan
In 2009 the country launched the Moroccan Solar Plan, a national strategy to develop renewable energy. The Plan is one of the world‟s largest solar energy projects and it is estimated that it will cost US$9 billion. The Plan aims to:
• strengthen the security of supply of energy through the diversification of sources and resources
• optimize the energy balance
• build 2000MW of solar capacity by 2020
• provide access to energy for the general population at an affordable and competitive price
• achieve sustainable development through the promotion of renewable energy
• promote productivity and competitiveness
• protect the environment and the reduction of green house gas emissions
• strengthen regional integration through the opening up to Euro-Mediterranean energy markets and harmonizing energy legislation

MASEN, the Moroccan Agency for Solar Energy, is a public-private agency dedicated to implementing the Moroccan Solar Plan and the promotion of solar energy by:

• developing solar power projects

• contributing to the development of national expertise

• proposing regional and national plans on solar energy

MASEN has invited expressions of interest in the design, construction, operation, maintenance and financing of the first of the five planned solar power stations. One is the 500MW plant in the southern town of Ouarzazate. Projects are also located at sites at Beni Mathar, Foum al Ouad, Boujdour and Sebkhat Tah.

Moroccan Wind Plan
As part of its strategy towards energy use, Morocco has undertaken a vast wind energy program, to support the development of renewable energy and energy efficiency in the country. The Moroccan Integrated Wind Energy Project, spanning over a period of 10 years with a total investment estimated at 31.5 billion dirhams, will enable the country to bring the installed capacity, from wind energy, from 280 MW in 2010 to 2000 MW in 2020.

The development of 1720 MW of new wind energy farms are planned as follow:

• 720 MW under development in Tarfaya (300 MW), Akhfenir (200 MW), Bab El Oued-Laayoune (50 MW), Haouma (50 MW) and Jbel Khalladi (120 MW)
• 1000 MW planned in 5 new sites chosen for their great potential: Tanger2 (150 MW), El BaidaKoudia in Tetouan (300 MW), Taza (150 MW), Tiskrad Laayoune (300 MW) and Boujdour (100 MW).

Objectives of the wind energy program are:

• Increase the share of wind power in the national energy balance to 14% by 2020
• Achieve a production capacity from wind power of 2 GW and annual production capacity of 6600 GWh, corresponding to 26% of current electricity generation
• Save annually 1.5 million tons of fuel, matching the sum of 750 million U.S. dollars, and prevent the emission of 5.6 million tonnes of CO2 per year.

The wind energy project has been built by the Tarfaya Energy Company (TAREC), a 50/50 joint venture between GDF SUEZ and Nareva Holding. The project entails an overall investment of €450 million and debt financing was provided by a consortium of three Moroccan banks.
Types of Wind Turbines
Modern wind turbines fall into two basic groups: the horizontal-axis variety, as shown in the photo to the bottom left, and the vertical-axis design, like the eggbeater-style Darrieus model pictured to the immediate right, named after its French inventor. Horizontal-axis wind turbines typically either have two or three blades. These three-bladed wind turbines are operated “upwind,” with the blades facing into the wind. Wind turbines can be built on land or offshore in large bodies of water like oceans and lakes.

Conclusion
Morocco has far reaching ambitions for the renewable energy sector. With domestic demand for power rising steadily and power generation fuelled by imported fossil fuels, investment in developing energy from renewable sources is critical.
The Kingdom has achieved significant progress and has taken important steps to reforming the policy and regulatory framework, and boasts one of the most de-regulated electricity sectors in the MENA region. However, a number of barriers to the development of renewables remain to be addressed:
• Grid issues – There are issues with integrating renewable power on to the transmission grid system. Such issues may be successfully addressed by investment to reinforce the transmission grid.
• Lack of feed-in tariffs – A feed-in tariff or a simplified tender process could be considered to accelerate power development in Morocco. The existing ONE IMs tender process is a long and costly process for bidders which sometimes end with no project.
• Statutory framework and institutional infrastructure – historically weakness in both areas has impeded the development of renewable energy sources and the enhancement of energy efficiency. However, great strides have been made with, the establishment of dedicated agencies such as MASEN and ADEREE and the passing of The Renewable Energy Law 13-09
Closing Statement
We at SFBBL are committed to the context of enhancing Morocco‟s renewable energy framework and addressing these historical issues. SFBBL International Finance as part of its Sustainable Development Initiative is considering the development of market-based financing mechanisms for energy efficiency and renewable energy projects in Morocco.
These may take the form of:

• dedicated energy efficiency and renewable credit lines that provide funds to local financial institutions for on-lending for investments in energy efficiency and/or renewable energy projects
• direct lending facility under which lending to medium sized projects can be facilitated
• involvement of Energy Service Companies in energy efficiency projects
• direct financing of energy efficiency and renewable energy projects in larger companies or as a standalone project

HOUSING
Shipping Container Home construction has become one of the biggest home and office construction trends globally.
Since 2005 shipping containers began to appear in many news stories in the U.S., Canada, UK, Netherlands, China, Australia, New Zealand, and much of Europe. Shipping container construction has become popular for not only homes, but for offices, hotels, student housing, safe rooms, and emergency shelters.
ISBU HOUSING
The kind of housing units are typically modular in design and scalability, most often benefiting building or residential project structures from Inter Model Steel Building Units (ISBUs), commonly known as shipping container houses.

high cube versions.

Shipping containers are made from special steel and therefore strong enough to withstand rough conditions at seas and long exposure to outside elements while being able to protect the goods stored inside. They are made to a standard set of measurements in order to be stackable the world over. There are 3 sizes – 20, 40 and 53 feet long. Each container has a width of 8 feet and a height of 8 feet 6 inches or 9.6 in

Because of their uniform size, large number, and that they were built to last, it became important to consider alternative uses for containers that began to stack up in back lots and shipping docks. Years ago, the military initially explored their potential for portable operation centres. It wasn‟t too long, however, before their low cost and availability attracted the attention of architects and builders as means to create safe, fast, inexpensive structural designs for hospitals, office spaces, apartments, and homes.
Besides the obvious quality of building material, there are several eco advantages to the use of this component. Globally these containers are discarded after their service life is finished. They are then used for artificial reefs, thrown in landfills or melted for scrap. The availability of these containers globally reduces our need to manufacture from virgin materials which are precious resources for the future of the world.

Building with Shipping Containers

Benefits

The initial thoughts many often have of living in a shipping container modular home are images of cold, tight quarters, surrounded by ugly, metal boxes, haunted by irritable sounds and echoes. Such misconceptions couldn‟t be further from the truth.
In reality, quality elements such as stone and glass, including exterior and interior paints or coverings, create a finished product that is, in fact, viewed by most modern critics as a sleek and sophisticated styling punctuated by crisp lines.
Paints with exterior ceramic particles are used in sun drenched, dry conditions to effectively block unwanted UV rays, and significantly deflect heat. The interior is painted with similar substances, which includes even greater anti-microbial shielding from all forms of bacterial and fungal growth, and create comfortable living temperatures.
The placement of the containers is largely versatile and can be executed in several ways to accommodate local surroundings, while consciously reducing the impact on precious flora and fauna. The units can also be placed on top of pre-stressed concrete pillars, poured foundations, block foundations, or wooden platforms with walk-around decking.

This finished house is virtually indistinguishable from conventional housing.

Features
The average unit features liveable interior space from 160 sq ft to as much as 1,000 + sq ft. with 1 up to 5 bedrooms, and 1 up to 3 bathrooms. The units also boast reclaimed water containment, L.E.D. low impact 12v lighting, fully functioning kitchen with stove top, sink, storage and refrigerator. Some even enjoy sliding glass doors and hurricane shutters.
Below is an example of a basic floor plan with 2 bedrooms.

Style
Architects and Interior Designers have found new and invigorating challenges in creating design styles that are not only economically efficient, but visually captivating as well. ISBUs present unique and highly diverse ways to express modern influences while embracing the minimalist movements found to be chic by many critics, hipsters, celebrities and high profile business men and women around the world.

Here is a school built in Guadalajara, Mexico from containers

SFBBL project for a University/College student housing campus.

Proposed Target Location: TBD

Total Estimated Costs: TBD

Key Points

1. Environmentally friendly making use of existing materials (structure from ISBU) rather than require additional materials from the environment, such as trees for lumber.
2. Less expensive than wood construction, particularly through discarded shipping containers.
3. Faster build times as containers are pre-fabricated.

4. Easily expandable, with humorous, yet surprisingly realistic, comparisons to building with Lego‟s as the container‟s design allows for stacking or side by side placement, including the allowance of one or more walls removed to increase interior space.
5. Fire resistant.

6. Mould resistant.

7. Insect damage resistant.

8. Ability to stand up to strong winds and heavy storms (tested up to category 5 conditions).

SCHOOLS AND HOSPITALS
The ISBU housing we are able to arrange is highly cost effective and significantly less than traditional low income housing construction. All of our projected containers will be painted with an exterior ceramic particle paint which blocks UV rays and deflects up to 94% of all heat from the sun. The interior, as well, will be painted with a similar paint shielding anti- microbial forms of bacteria and fungus growth. This micro coating will assist in maintaining a comfortable temperature inside the homes.
Included in the development will be wellness centres (medical clinics) and schools to alleviate care management, and training facilities for not only the community inhabitants furthering job employment, but also the development staff, so that the ecovillage is managed efficiently at all times. The training facility will also enable other local groups to be trained to perform certain aspects of the construction, adding to the job creation.
Wellness and Education Centres (Schools)
While the shipping container home trend is becoming increasingly popular among the financial elites for its fashion statements, the core principal and success of these models have been utilized in over 70 countries for truly bettering communities in need, providing everything from public and student housing to office buildings and schools. Since its deployment in the 1960s as full functioning hospitals, ISBUs have served the lives of millions around the globe.
These constructs are designed to further the bodies (make well), the minds (acquisition of important job skills) and spirits (collective wellness of healthy body and healthy mind) of the community people so that they may improve their families and themselves directly, becoming that much closer to sustainability and then, positively contributing to the community as a whole.
Below are examples of ISBUs converted into schools.

By creating a model ecovillage through ISBU structures, a proven natural stimulation to the local community occurs, resulting in eco-friendly solutions to housing the masses safely. Ultimately, the by-products of the village are sold as commodities to other villages nearby as well as on the global market, enhancing the local and larger economy.
Conversely, an increased village footprint reduces the village carbon footprint each day by processing in a single location. Shared community generation of utilities and clean water sources are able to bring a better quality of life to local residents, as micro medical facilities within each location will boost a more focused healthcare system, along with connecting villages to the government health care system.
University study programs will also be created, inviting foreign students to cooperate with the project and learn how to create their own sustainable model.

S.E.E.D
Benefits Brought By Lord Neil B. Gibson and SFBBL International Finance

The SEED Foundation is a registered 501(c) (3) non-profit entity in good standing, capable of providing donors with tax deductions, of whose involvement will reduce the overall cost to construct and deliver materials. A future sovereign tax credit offering will be generated by the eco-villages themselves with carbon credits created through the village operation.
Target properties and land have been identified, with soil and eco samples being collected to ensure the base eco system is viable for site needs.
Interested companies here in the United States and the European Union are supporting our request for donations in the way of materials, shipping, equipment or financial. The general interest generated by the GOB, induced further action on our part to consult with urban planners to bring the project to the next phase.
The SEED Foundation will provide a complete package describing all necessary materials to construct our proposed model village, including a list of donors and special tax forms for US and EU donors.

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SFBBL International Finance
SFBBL International Finance is able to offer full retail banking services, including the following.
1. Private Bank Solutions

2. Money Transfers and Payments

3. Custodial Safe Keeping

4. Securities FX Trading

5. SWIFT

6. Merchant Accounts

7. Specialized Lending

In addition to the above all projects can be funded through any of the listed banks below with participating local Banks and Government agencies. We have the ability to raise guarantees and Standby Letters of Credit to fund the necessary projects.
CENTRAL BANK OF BRAZIL HSBC, HK
HSBC, JAKARTA

MANDIRI BANK, JAKARTA HSBC, LONDON SANTANDER BANK, SPAIN MAY BANK, MALAYSIA BANK OF KAZAKHSTAN

CONCLUSION
We trust you found the contents of this conceptual business proposal intriguing and educational, and welcome opening dialogue between your government and our company.
You will naturally have numerous questions and many thoughts of how you envision these programs potentially applied to the communities of your country. We look forward to any and all ideas you may have, and would very much appreciate an opportunity to review greater details with you.

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Board of Directors

Lord Neil B. Gibson

Lord Neil B. Gibson is currently the acting chairman of a group of companies, which consist of a diverse conglomerate of domestic and international business.
Neil Benjamin Gibson became a Diplomat in the late 90’s and worked with financial institutions around the world. This enabled him to open relationships all around the globe.

He became an international leader of Humanitarian efforts, which became a true passion for Gibson. He quickly discovered that the many facets of the banking and the financial industry contain the components needed to offer financial solutions for underdeveloped communities in many nations. Such underdeveloped, nations are often overlooked by the majority of the “financial giants”.
Lord Gibson has made it his mission to give back to these communities. In doing so he has established ongoing international Banking relationships globally.

Mr. Alabbas Babbar

Mr. Babbar is an experienced trilingual executive with over 15 years hands-on management experience. Included are Joint ventures, mergers and acquisition of multi million dollars, sales and marketing, supply chain, production and manufacturing lines.
Extensive experience in market and business development in multiple jurisdictions; managing and motivating business sales teams across different cultures; and monitoring and controlling production and sales effectiveness, including Revenue Management, Venture Capital. Business Analysis, equity trading, Co-operative Banking. Managing Performance & Changing, including significant involvement with Middle East and GCC markets as well as markets across Canada, USA and Europe.

Mr Maurizio T Adriano

Mr Adriano is an entrepreneur with over 20 years experience at senior corporate level and currently holds the post of Project Director. His previous posts include that of MD, and CEO. His experience ranges from the oil & gas, to the financial, philanthropic, and humanitarian markets.

Mr Adriano currently handles all project preparation, evaluating environmental and local infrastructure, as well as, the contracting of consulting services, mergers and acquisitions, and negotiations.

Mr. Ahsan Rafique

Mr Rafique is currently a Director at SFBBL and the CEO and President at Trust Investment Bank Limited.

Mr Rafique has been in commercial and investment banking for 30 years as well as maintaining key management positions in the private sector and Industrial Operations. He represents the best practices in the paradigm of financial and banking organization.

Mr. Ram Bhatia

Ram Bhatia has over 30 years of experience in the fields of Finance, Information Technology Systems, Operations, Banking, Marketing, Private Equity, Infrastructure Deals, Advisory and Consulting with a focus on Investments, Funds Placement and Client Relationship Management.

He is also presently a Director for Africa Region at Signature Group, Dubai, including Arab Insurance Group, TAIB Bank, and Citibank in Bahrain, TAIB Yatirim Bank in Istanbul, Turkey, ABRAAJ Capital and Abu Dhabi Investment Company (now Invest AD) in UAE.

Mr. Bhatia holds Bachelor of Commerce Degree from Mumbai University through Narsee Monjee College of Commerce & Economics, Mumbai, India with majors in Finance, Economics & Statistics. He also holds Diploma in Information Technology from National Computing Centre, UK, Certification of Computer Audit and Security Systems from Racal College, UK, Certification in Advanced Systems Manager from Novell Netware, US and Certified Investment Advisor from Citibank NA.

Ram Bhatia speaks several Indian regional languages i.e. Hindi, Sindhi, Punjabi, Marathi and Gujarat. Additional languages of fluency are in English and can converse fairly in Arabic & Turkish.

Mr. Kal Raslan

Mr. Raslan has professional expertise in interpersonal and organizational skills in addition to valuable experience to help assist the company in reaching its goals. Mr. Raslan has a BS in business from Lewis and Clark University and specializes in Real Estate and RE Development around the world.

He is an active Real Estate broker in the UAE and a NCS certified construction specialist. He has been awarded with the Lifetime Achievement Award and Number One Team Leader Award for Remax Worldwide.
Mr. Salaheddie Abbassi

Mr. Abbassi is SFBBL‟s attorney, of Moroccan dissent, and holds a doctorate in International Law from Pantheon Paris University (2000). Mr. Abbassi specializes in contract law and dispute resolution.
Mr. Abbassi is well decorated such as being a member of the Nantes Board (2009-13) acting as attorney in European Court of justice for the French State, he is a member of the „Board of Trustees‟ for the Academy of European Law, Trier, and holds numerous distinctions for doctoral dissertations.

Pakistan Opposes India’s Security Council Bid, Rakes up Kashmir

Pakistan Opposes India’s Security Council Bid, Rakes up Kashmir

ISLAMABAD: Peeved about US President Barack Obama’s visit to India, Pakistan today said US help for India’s lasting seat in the UN Security Council will “undermine the peace and strength in south-east Asia”.

A nation disregarding UN Security Council resolutions on “matters of universal peace and security, for example, the Jammu and Kashmir debate” in no way, shape or form fits the bill for the status, said Sartaz Aziz, Pakistan’s Adviser on National Security and Foreign Affairs

Pakistan, he said, was contradicted to “yet an alternate nation particular exclusion” from NSG tenets to allow enrollment to India.

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Mr Aziz additionally said Pakistan said it would not endure any questions about its dedication to battle fear. Pakistan’s commitment and yields in the battle against terrorism have been “generally recognized,” and the nation rejects any “implication or defamation over its dedication to battle terrorism,” he said.

Pakistan, Mr Aziz included, has additionally been the greatest casualty of terrorism, including that “supported and backed from abroad”.

In spite of the fact that this time he didn’t name India, recently, Mr Aziz had blamed India for doing fear assaults in Pakistan from Afghan soil. He, then again, had offered no proof of it.

The last enormous dread assault in Pakistan – the massacre at a school in Peshawar, had been completed by its indigenous terrorists owing loyalty to Taliban.

“Judgment of terrorism in all its structures and appearances ought not be focused around selectivity or twofold measures,” Mr Aziz sai

Govt in Jammu and Kashmir will be in place soon

Allahabad, Jan 28 (PTI) BJP, which is in converses with PDP for government-development in Jammu and Kashmir, today said a “fair government” will be set up in the state soon as expansive forms for having a cooperation was being settled.

Union Home Minister Rajnath Singh, without revealing the insights about the conferences, said “we are in talks” and declined to reveal the gathering with which BJP was holding a dialog on government-development saying “yeh andar ki baat hai (its mystery)”.

He guaranteed that a “law based government” will be set up soon. In spite of the fact that Singh did not uncover any additional data, sources say that a large portion of the issues between the two gatherings have been settled which incorporates having a typical least program, leaving out antagonistic issues like Article 370, resettlement of west Pakistan exiles, control toward oneself and going delicate on separatists.

Other than having a Deputy Chief Ministership, BJP will likewise leave with vital portfolios including an undeniable bureau clergyman for Home.

PDP, with 28 seats, is the single-biggest gathering in the state Assembly, which is right now in suspended liveliness, while BJP has 25 seats and appreciates the backing of no less than two different Mlas in the 87-part House.

Senator’s tenet was forced in the state on January 9, a day after National Conference pioneer Omar Abdullah asked Governor N Vohra to calm him of the obligations of guardian boss clergyman with quick impact.

BJP, PDP likely to form govt in Jammu and Kashmir soon:

Srinagar: Political grapevine is overflowing with hypotheses about the Bharatiya Janata Party (BJP) shaping organization together with the Peoples Democratic Party in Jammu and Kashmir later not long from now.

The BJP and PDP have arrived at a wide understanding to structure government in J&k, reports said on Wednesday.

Reports demonstrate both the gatherings are attempting to develop a seat imparting equation and are relied upon to achieve an accord soon.

Additionally, J&k BJP officials are planned to meet in Jammu today. Senior gathering pioneer Ram Madhav will be a piece of the gathering.

The most recent advancement comes after PDP supporter and previous boss pastor Mufti Mohammed Sayeed a week ago said “track two” dialog with BJP is in advancement.

Battling that he needs to bring the state out of a “mess”, the previous Chief Minister told his gathering laborers, “Track-II dialog with BJP over the development of government in Jammu and Kashmir is in advancement.”

On the off chance that I feel that my shaking hands (with BJP) will advantage the condition of Jammu and Kashmir and the nation, I am prepared to do that,” Sayeed said.

Nonetheless, he likewise said, “Jammu and Kashmir is a Muslim dominant part state and the Center must admiration the command of the individuals in the state.”

He said the state was experiencing a basic stage and individuals require a solid and stable government that can convey on the makes a guarantee to made to them amid the Assembly races.

The PDP has 28 and the BJP 25 seats in the state get together. The National Conference won 15 seats and its previous associate, the Congress 12. Seven seats went to Independents and littler gatherings.

KASHMIR

ENERGY, HOUSING & SCHOOL BUSINESS CONSIDERATION PLAN

ENERGY, HOUSING & SCHOOL

BUSINESS CONSIDERATION PLAN

FOR

THE COMMUNITIES OF

KASHMIR

2 Landsdowne Row Suite 288, Berkeley Square, W1J6HL, London, England

Web: www.sfbblag.com, Phone: +44 20 7543 7735, Email: info@sfbblag.com

TABLE OF CONTENTS

SUMMARY

Proposition:                                                   Lord Neil B. Gibson and SFBBL Trust AG, through the SEED Foundation, a registered 501(c)(3) non-profit, proposes an economically and environmentally efficient renewable energy plan, which includes a low cost, highly durable housing infrastructure for the nation’s impoverished and homeless communities, accompanied by private banking enhancement to further expand Kashmir’s school programs.

Proposed Target Location:                           Per Instruction of Kashmiri Government Authorities.

 

Total Estimated Costs:                                  Approximately $600,000,000 USD

 

Key Points:

1. Renewable energy consisting of PV, wind and mini hydro

2. Adjustable use of energy, furthering self-reliance

3. Housing program is comprised of ISBU structures.

4. ISBU structures pre-fabricated and low cost construction

5. ISBU structures are extremely versatile

6. Private banking includes full retail services

7. Micro and business lending available

8. Resources for supplying and funding schools

I. OVERVIEW

This business plan, while intelligently and effectively thought out, also based on thousands of man hours and years of success, is more of conceptual overview of what can be done in Kashmir rather than what should be done. We understand that the government of Kashmir knows its people, its land and lives its heart beat. While we can and do grasp the great need that exists, what you will find within this business plan is a sampling of our analytical approach to relieving your fine country, and furthering its people to a heightened place of independence from other countries and communities, a new sense of prosperity and a revitalization of positive growth.

We at SFBBL Trust AG understand and appreciate the history and international accomplishments Kashmir boasts, such as Cashmere wool and Pashmina shawls exports, including a full comprehension of what it means to be administered by three countries, India, Pakistan and the People’s Republic of China.

The world recalls the tragedies of the 2005 earthquakes reaching magnitudes of 7.6, devastating the land, taking the lives of over 100,000 people, injuring well over another 100,000 and millions displaced, including untold destruction to roads, buildings, and transportation, severely affecting the overall economy.

Doing good unto others is more than a proverb. It’s in many ways, a just law. Help those who are in and need and open to it, and the “windows of heaven” will open, pouring a blessing on everyone, increasing material possessions and far more. We see a need in Kashmir, as do we see a wonderful chance to better the lives of its people for greater independence, prosperity and satisfaction.

SFBBL maintains a presence within Pakistan as owners of Trust Investment Bank Limited, headquartered out of Lahore. We would welcome the opportunity to help the government of Kashmir improve its already proud country, and be a part of a positive Kashmiri growth.

Within this plan you’ll find the following, 3 main sections taken, from historically successful projects and conceptually applied to Kashmir for your review.

Renewable Energy

SFBBL has been part of renewable energy projects in the past, fully grasping its application and tremendous benefit in addressing and supplying a constant need for consumable energy. Photovoltaics (PV), previously known as solar energy, small hydroelectric (mini-hydro) and wind powered turbines as the overall make up for renewable energy. All forms have been historically effective and have been known to create a greater degree of independence from other factors and elements.

ISBU Housing Structures

Intermodel Steel Building Units (ISBU), commonly known as shipping containers, have been proven over and over again the last 50 years to be excellent, cost efficient, durable and long lasting housing structures, both residentially and commercially.

Private Banking

 

Having an international banking presence to provide full, retail banking services, including loans and merchant services, will play a central role in not only further the local economy, but also complimenting international trade, including the creation of additional capital for funding specialized projects, such as school programs.

Incidentally, SFBBL maintains excellent relationships to aid in the collection and delivery of school supplies, having done so previously in Africa.

We trust you will enjoy this conceptual plan, and look very forward to having discussions in how SFBBL Trust AG can assist Kashmir.

 

Thank you,

Neil B. Gibson

Chairman

II. RENEWABLE ENERGY

 

COUNTRY:Kashmiri

PROJECTTITLE:RenewableEnergy-TransportationBasedRuralElectrificationin Kashmiri

DURATION:20Years

FOCALAREA:ClimateChange,TransportationandRenewableResources

PROJECTED COST: Approximately $120,000,000 USD

Project Rationale, Objectives, Outputs And Activities

 

The project aims at reducing Kashmir’s energy-related CO2 emissions by introducing renewable energy technologies as a substitute for fossil fuel (paraffin and diesel) in rural areas remote from the national electricity grid and improving people’s livelihoods by improving their access to and affordability of modern energy services. In addition, the project will decrease the growing number of rural poor, adults and children alike, who contract respiratory and eye problems due to prolonged exposure to paraffin smoke and soot (poor indoor air quality). An air transportation network will be established to provide medical access, sustainable stores and building supplies to those in remote areas which have no other access. The activities proposed in the project are designed to remove barriers to the wide-scale utilisation of renewable energy technologies (PV, wind and mini hydro) to meet the basic electricity needs of households, small businesses and of community users like health clinics and schools.

 

The project activities and outputs are designed to achieve seven immediate objectives:

  1. Logistics Of Accessing Regions Where The Technology Must Be Delivered And Installed: To implement a strategy with ministry of transportation to increase facilities to accommodate aircraft and staging facilities for the renewable energy equipment to be assembled and maintained before installation.
  1. Delivery Of Renewable Energy-Based Technology Packages: To implement different delivery models for renewable energy-based rural electrification targeting different end-user groups and making use of different technology packages.
  1. Awareness Raising: To increase awareness among the general public, decision-makers and rural customers on the potential role of renewable energy in meeting basic energy needs in rural areas.
  1. Private And Public Sector Strengthening And Training: To strengthen and support the public and private sector working in the renewable energy sector to provide better quality of service to the rural areas.
  1. Policy Support And Policy Framework: To assist the development of policy and institutional arrangements needed for the widespread adoption of renewable energy sources for off-grid electricity services.
  1. Financial Mechanisms: To assist with the implementation of appropriate financing mechanisms for the larger scale dissemination of renewable energy based technologies to rural customers.
  1. Learning And Replication: To disseminate experience and lessons learned in order to promote replication throughout the country of rural electrification based on renewable energy technologies. Open grid to other facilities and groups for larger stored energy efficiency.

The project activities focus on establishing codes and standards; launching awareness campaigns for decision makers, the general public and end-users; piloting PV systems at community water-pumping facilities and business-centres; demonstrating the viability of wind/PV mini-grids: showing the viability of expanding the use of mini hydro in Kashmir; assisting renewable energy technology companies in business planning and training of technicians; testing end-user and supply-chain financing  mechanisms  such  as dealer credit and partial risk guarantee schemes and providing grants to innovative business ideas for productive uses.

 

Key Indicators, Assumptions And Risks 

Key indicators to the project are the number of PV systems sold in the country over the lifetime of the project, the number of wind (hybrid) mini-grids installed and the additional installed hydropower capacity, combined with the reduction in the consumption of paraffin in households using renewable energy based systems and the amount of diesel consumption avoided. The project M&E system will make provisions to verify baseline data and track these indicators at regular intervals.

Important project assumptions relate to the market price of paraffin, the willingness of the private sector and end-users to engage with the project activities, willingness at the political level to create an enabling environment (including the implementation of the proposed National Rural Renewable Energy Fund) and the execution of a planned information clearing house. These assumptions will be closely monitored and the project intervention strategy adapted accordingly.

  1. Program & Policy Conformity 

(a)            Fit To Private Operational Program And Strategic Priority

The geography of Kashmir, with its mountainous areas with peaks up to 3000 meters, does not lend itself for extensive extension of the national electricity grid. Kashmir has an excellent renewable energy resource base, ranging from extensive mini hydropower potential, small-scale wind potential to abundant solar radiation. The exploration of these energy sources using renewable energy technologies would make it possible to meet the basic energy needs of the rural population.

Providing clean energy for basic services will give a tremendous improvement in the quality of life of the rural population. Clean energy resources will mainly replace paraffin currently used for lighting purposes and dry cell batteries for entertainment purposes. Local benefits are a reduction in the exposure of smoke and soot from paraffin and reduced expenditure on dry cell batteries. Local businesses will benefit through the reduced need for diesel generators and the associated cost and noise reduction.

This project has great prospects because it will focus on increasing access to local sources of financing for renewable energy. The financing mechanisms for end-users, dealers and financing institutions will be developed prior to CEO endorsement building upon locally established mechanisms such as dealer credit schemes and experiences with micro-finance institutions. The implementation of these financing mechanisms will be a central part of the project with substantial budgetary allocations.

During the planning phase the project identified the main barriers for the large-scale utilisation of renewable energy technologies in Kashmir.

 

Institutional Barriers

  • Lack of an effective infrastructure for delivering renewable energy-based energy services on a sustainable basis
  • Fragmented institutional responsibilities and lack of integrated planning and implementation by various stakeholders including Government, the research institutions, the academic institutions, the NGOs, community based organisations (CBOs) and the private sector with regard to the applications of renewable energy technologies. The involvement of community participation in the promotion of renewable energy technologies is essential.

 

Economic, Financial And Market Barriers

  • Limited private sector capacity to supply, distribute, install and maintain renewable energy systems. Ordinary retail shops do not sell PV components. Consequently, the consumers need to travel long distances to get the required maintenance services or even to replace a light. In some cases, the consumers prefer not to pursue the maintenance but rather stop using the PV technology. This is one of the greatest barriers in the utilisation of PV electricity.
  • Limited business skills, while there are some people with energy expertise the appropriate business skills to start energy enterprises are lacking
  • Lack of or very limited in-country experience with many of the relevant renewable energy systems options.
  • Lack of suitable financing arrangements for renewable energy companies and end users, and the need for training of in-country financial institutions to lend for renewable energy enterprises and projects. This is one of the greatest barriers to the development of the market of PV industry in the country.

 

Technical And Logistic Barriers

  • Poor workmanship in the installation, operation and maintenance of renewable energy technologies, including PV systems and wind farms.
  • Poor transportation infrastructure throughout country

Information, Education And Training Barriers

  • Lack of access to necessary information
  • Lack of public awareness of the technologies
  • Lack of trained manpower at all levels and in particular insufficient qualified personnel for maintenance for renewable energy systems including PV.
  1. Incremental Costs

The proposed project activities would not take place in the absence of private and philanthropic support, making the project activities largely incremental. Therefore, the costs associated with this project are considered to be the costs of the activities designed to remove the barriers to renewable energy-based electrification and stimulate the rural market, eventually the whole country

According to the available information on the current energy consumption, a household uses approximately 7.5 litres of paraffin per month for lighting purposes, costing approximately M 25.50 (US $3.65 / month). In addition to this, a household in rural areas spends approximately M 36.00 (US $ 5.14) on dry cell batteries to power radios and torches. In the case of hi-fi or TV appliances, a monthly battery charging rate of about M 20.00 (US $ 2.86) has to be paid by the household.

For the targeted 1000 PV systems in the target districts, the estimated CO2 emissions reduction as a result of substituting paraffin based lighting with electrical lighting, amounts to 14500 tonnes over a 20 years’period. This is based on an average saving of nearly 6 litres paraffin savings per month per customer. In line with the IPCC guidelines, the CO2 reduction per litre of paraffin has been taken as 3.2 kg.

For the hybrid wind/PV mini-grid at Pilot site 1, 30 households will save the consumption of nearly 6 litres of paraffin per month, while two of the three businesses that will be connected (a general dealer and a tourist accommodation) will each save the use of 3 kW Lister diesel generator for 3 hours every evening. The household customers will reduce their carbon emissions by 130 tonnes of CO2 over a 20 years’time horizon, while the two businesses will save a similar amount. This total emissions reduction for the Pilot site 1 mini-grid will add to 260 tonnes of CO2.

The replacement of one planned diesel generator of 100 kW at the Pilot site 2 mini-grid by expanded hydro capacity will reduce the GHG emissions by 25,000 tonnes of CO2.

The project activities as such will eliminate nearly 40,000 tonnes of CO2 over a 20 years’time horizon.

Direct spin-offs of the project activities are additional sales of PV systems in the non-targeted districts and the implementation of the new cyclic optimised mini-grid using mini hydropower will contribute to an additional 16,000 tonnes of CO2   emissions reduction.

Replication of the project activities in other areas of Lesotho (after the project) will lead to an additional 70,000 tonnes of CO2 emissions reduction.

3. Replicability

The entire component of the project has been designed to replicate models, approaches and lessons. It is envisaged to design a roll-out programme for renewable energy- based systems based on the experiences in the target districts. After a successful demonstration during the project period of a private sector-led model for the delivery of basic electricity services to rural communities, it is expected that companies will expand their business to other regions in the country, thus replicating delivery and financing modalities. The future distribution model will be included with planned development and community planning infrastructure design. Future housing developments will be centered around renewable facilities which become part of the community income.

4. Financing Modality And Cost-Effectiveness

 

Co-financing Sources
Name of Co-financier (source) Classification Type Amount (US$) Status
National Rural Renewable Energy Fund Private Cash 5,000,000
Support Rural Electrification Donor In-Kind 100,000
Ministry of Public works and Transportation Government In Kind 1,000,000
Dept. of Energy Government In-Kind 100,000
Department of Rural Water Supply Government In-Kind 100,000
Companies Private Cash 1,000,000
Dept. of Energy Government In-kind 100,000
Twinpeaks Lesotho Private Cash 40,000,000
Sub-Total Co-financing 48,400,000

 

 

 

5. Project Budget By Component

 

Component description Estimate            USD budget
1.transportation sector upgrades and staging facility US$ 28,500,000
2. delivery of renewable energy based technology packages US$ 17,000,000
3. awareness raising US$ 500,000
4. private and public sector strengthening and training US$ 800,000
5. policy support and policy framework US$ 800,000
6. financial mechanisms US$ 2,100,000
7. learning and replication US$ 800,000
8.optimized power grid and add 70mw facility for wind US 70,000,000
Total US$ 120,500,000

 

III. ISBU HOUSING

The kind of housing units are typically modular in design and scalability, most often benefiting  building or residential project structures from Inter Model Steel Building Units (ISBUs), commonly known as shipping container houses.

Shipping containers are made from special steel and therefore strong enough to withstand rough conditions at seas and long exposure to outside elements while being able to protect the goods stored inside. They are made to a standard set of measurements in order to be stackable the world over. There are 3 sizes –20, 40 and 53 feet long. Each container has a width of 8 feet and a height of 8 feet 6 inches or 9.6 in high cube versions.

Because of their uniform size, large number, and that they were built to last, it became important to consider alternative uses for containers that began to stack up in back lots and shipping docks. Years ago, the military initially explored their potential for portable operation centers. It wasn’t too long, however, before their low cost and availability attracted the attention of architects and builders as means to create safe, fast, inexpensive structural designs for hospitals, office spaces, apartments, and homes.

Besides the obvious quality of building material, there are several eco advantages to the use of this component.  Globally these containers are discarded after their service life is finished. They are then used for artificial reefs, thrown in landfills or melted for scrap.  The availability of these containers globally reduces our need to manufacture from virgin materials which are precious resources for the future of the world.

1. Benefits

The initial thoughts many often have of living in a shipping container modular home are images of cold, tight quarters, surrounded by ugly, metal boxes, haunted by irritable sounds and echoes. Such misconceptions couldn’t be further from the truth.

In reality, quality elements such as stone and glass, including exterior and interior paints or coverings, create a finished product that is, in fact, viewed by most modern critics as a sleek and sophisticated styling punctuated by crisp lines.

Paints with exterior ceramic particles are used in sun drenched, dry conditions to effectively block unwanted UV rays, and significantly deflect heat. The interior is painted with a similar substance, which includes even greater anti-microbial shielding from all forms of bacteria and fungal growth, and create comfortable living temperatures.

The placement of the containers is largely versatile and can be executed in several ways to accommodate local surroundings, while consciously reducing the impact on precious flora and fauna. The units can also be placed on top of pre-stressed concrete pillars, poured foundations, block foundations, or wooden platforms with walk-around decking.

Considering the structural integrity, ease of creating livable conditions and the variety artistic input allowed, the benefits of using ISBUs for home building are quite extensive.

  1. Environmentally friendly making use of existing materials (structure from ISBU) rather than require additional materials from the environment, such as trees for lumber.
  2. Less expensive than wood construction, particularly through discarded shipping containers.
  3. Faster build times as containers are pre-fabricated.
  4. Easily expandable, with humorous, yet surprisingly realistic, comparisons to building with Legos as the container’s design allows for stacking or side by side placement, including the allowance of one or more walls removed to increase interior space.
  5. Fire resistant.
  6. Mold resistant.
  7. Insect damage resistant.
  8. Ability to stand up to strong winds and heavy storms (tested up to category 5 conditions).

2. Features

The average unit features livable interior space from 160 sq ft to as much as 1,000 + sq ft. with 1 up to 5 bedrooms, and 1 up to 3 bathrooms. The units also boast reclaimed water containment, L.E.D. low impact 12v lighting, fully functioning kitchen with stove top, sink, storage and refrigerator. Some even enjoy sliding glass doors and hurricane shutters.

Below is an example of a basic floor plan with 2 bedrooms.

The following are provided by the community.

  1. Potable and purified water, including fresh and waste water processing.
  2. Geo thermal hot and cold water.
  3. Geo thermal heating and cooling.
  4. Power generation centers for electricity.
  5. Bio-Gas.
  6. Access to sewer system.
  7. Methane digester for human and animal waste.
  8. Methane processor for converting waste into bio-gas, fertilizer and fuels.
  9. Recycling center for breakdown and separation of all materials.
  10. Food production and farming facilities.

3. Style

Architects and Interior Designers have found new and invigorating challenges in creating design styles that are not only economically efficient, but visually captivating as well. ISBUs present unique and highly diverse ways to express modern influences while embracing the minimalist movements found to be chic by many critics, hipsters, celebrities and high profile business men and women around the world.

Elaborate, Private Residence Design                               Snow Conditions, Private Residence Design

Desert Conditions, Private Residence Design     Student Housing Design

4. Wellness And Education Centers (Schools)

While the shipping container home trend is becoming increasingly popular among the financial elites for its fashion statements, the core principal and success of these models have been utilized in over 70 countries for truly bettering communities in need, providing everything from public and student housing to office buildings and schools. Since its deployment in the 1960s as full functioning hospitals, ISBUs have served the lives of millions around the globe.

These constructs are designed to further the bodies (make well), the minds (acquisition of important job skills) and spirits (collective wellness of healthy body and healthy mind) of the community people so that they may improve their families and themselves directly, becoming that much closer to sustainability and then, positively contributing to the community as a whole.

Below are examples of ISBUs converted into classrooms / schools.

5. Benefits Brought By Lord Neil B. Gibson and SFBBL Trust AG

The ISBU housing we are able to arrange is highly cost effective and significantly less than traditional low income housing construction. All of our projected containers will be painted with an exterior ceramic particle paint which blocks UV rays and deflects up to 94% of all heat from the sun. The interior, as well, will be painted with a similar paint shielding anti-microbial forms of bacteria and fungus growth. This micro coating will assist in maintaining a comfortable temperature inside the homes.

Included in the development will be wellness centers (medical clinics) and schools to alleviate care management, and training facilities for not only the community inhabitants furthering job employment, but also the development staff, so that the ecovillage is managed efficiently at all times. The training facility will also enable other local groups to be trained to perform certain aspects of the construction, adding to the job creation.

We now are able to supply hydroponic hurricane proof green houses, which also have the dexterity to thrive in desert conditions.  Below are sample designs that have been historically successfu

By creating a model ecovillage through ISBU structures, a proven natural stimulation to the local community occurs, resulting in ecofriendly solutions to housing the masses safely. Ultimately, the byproducts of the village are sold as commodities to other villages nearby as well as on the global market, enhancing the local and larger economy.

Conversely, an increased village footprint reduces the village carbon footprint each day by processing in a single location. Shared community generation of utilities and clean water sources are able to bring a better quality of life to local residents, as micro medical facilities within each location will boost a more focused healthcare system, along with connecting villages to the government health care system.

University study programs will also be created, inviting foreign students to cooperate with the project and learn how to create their own sustainable model.

SEED Foundation

The SEED Foundation is a registered 501(c)(3) non-profit entity in good standing, capable of providing donors with tax deductions, of whose involvement will reduce the overall cost to construct and deliver materials. A future sovereign tax credit offering will be generated by the ecovillages themselves with carbon credits created through the village operation.

Target properties and land have been identified, with soil and eco samples being collected to ensure the base eco system is viable for site needs.

Interested companies here in the United States and the European Union are supporting our request for donations in the way of materials, shipping, equipment or financial. The general interest generated by the GOB, induced further action on our part to consult with urban planners to bring the project to the next phase.

The SEED Foundation will provide a complete package describing all necessary materials to construct our proposed model village, including a list of donors and special tax forms for US and EU donors. A brief list of those items are provided below.

Note: A separate medical supplies list is being developed for each clinic location

Equipment and Materials List

  • Bio char Kilns
  • Material Handling Chippers and Tub Grinders
  • Utility Vehicles
  • Wheeled Loaders
  • Tracked loaders
  • Tractor Trailer
  • Chain Saws
  • Welding Rigs
  • Copper tubing
  • Steam Pipe
  • Black Pipe
  • Fire Brick Ceramic coated
  • Bio Diesel Distillation equipment
  • PH, TDS, CH o2  Testing systems
  • Micro lab Bacterial solid tester
  • Micro Turbines  30 kw -60 kw
  • Micro Turbine Spares
  • Plumbing and fittings
  • Heat Exchangers
  • 5+ miles of schedule 80  6”High pressure water pipe,
  • 15000 feet of 2”main pipe
  • 20000 feet of ½-3/4 local pipe

Equipment and Materials List – Continued

  • Electrical Wire
  • Electrical Fixtures
  • Prefab Doors and Windows
  • Interior and Exterior paints
  • Steel ducting and HV/AC units for each house
  • Cement mixers
  • Concrete forms for local manufacturing
  • Shipping containers

First Phase – Muzaffarabad, Kashmir, or as instructed by Kashmiri Government

Our initial target implementation is to begin with Muzzaffarabad and its surrounding areas in Kashmir.

While recovery has taken place after the 2005 earthquake, there is still much left to address, specifically the serious housing issues related to the displaced citizens looking for permanent housing. Through these modular ISBU housing structures, not only can the people move out of the temporary shelters and into long term, sustainable homes, they are cost efficient in such a manner as to remove the significant expenses normally found in more traditional methods of rebuilding. The ISBU structures will more than provide for the people, and still be incredibly satisfactory in design and living satisfaction. This will also include the medical, school and training centers as well.

Budget for Phase 1 (Prices May Change With Areas)

Note: The Budget does NOT include property purchase, roads and community infrastructure.

Eco Village modulated costs Price per unit                UnitsRequierd         Cost
DIRECT HOUSING COSTS
Shipping container 2,400 148 355,200
Plumbing 375 96 36,000
Electrical 245 96 23520
Footings 6 each 200 576 115200
Ceramic Paint 270 596 160,920
LED Lighting 258 148 38,184
Solar Panels 960 200 192,000
Inverter 2500 w 835 48 40,080
Windmill 500w 668 50 33,400
Bio Digester 3000gal 18,950 1 18,950
Biochar Kiln 140,000 1 140,000
Methane scrubber 1057 2 2,114
Methane Storage Tank 1904 4 7,616
Community Fuel Cell 11000 2 22,000
Sliding Doors 272 288 78,366
Windows 93 385 65,805
Community Inverter 10kw 23,000 2 46,000
Plasma Torch 3900 2 7,800
Welder MIG/TIG/ARC 12590 2 25,180
Paint spraying Equipment 5600 2 11,200
Appliance Package Low Energy 2,957 48 141,936
Cable Tie Down Kits 3 each 271 200 54,200
Rigging Jacks 5200 2 10,400
8″ schedule 80 water pipe 17000 1 17,000
6″ schedule 80 drain pipe 17800 1 17,800
2″ schedule 80 water pipe 3800 1 3,800
3/4″ schedule 40 water pipe 2607 1 2,607
Micro Turbine 155000 2 320,000
Grid wiring per mile 13,780 2 27,560
 Cost for     Phase 1 2,014,838
cost per unit 39,000
units required 13,000
Each village contains 48 homes Cost 507,000,000
Management 5%
25,350,000
Indirect Costs 4,805,000
Project and Management fees 535,350,000
Total Cost 540,155,000
Indirect Equipment Costs with increased budgets per phase
INDIRECT HOUSING COSTS Phase 1
Shipping of materials 115,000
Ground Transportation 55,000
Site preparation 40,000
Bulldozer 6LGP 35,000
Excavator 218 LGP 45,000
UNIMOG Container crane 40,000
Military 8×8 MAN KAT Carrier 60,000
Rigging Crane 30,000
LMTV COE Tractors on/off road 70,000
Tub Grinder and Shredder 105,000
Ditch Witch pipe layer 25,000
UNIMOG FLU419 SEE Tractor 45,000
UNIMOG U140 L Fire /Water Truck 48,000
UNIMOG U1550L Transporter 65,000
Well Derry Truck Mountable 30,000
Bucket Truck 35,000
Electrical monitoring equipment 12,000
Bio Science Lab onsite 10,000
Fuel Storage tanks 15,000
Biofuel Blenders with filters 10,000
Hydraulic hose repair station 15,000
mechanical tools and spares 100,000
Misc. items 45,000
Machine Shop Central Repair Station 145,000
Machine Shop Mobile Unit 95,000
Medical Clinic 65,000
Worker Housing and Wages 120,000
Volunteer Housing and Care 145,000
Cement Mixers and Pump Trucks 185,000
Mobile operations and rigging Phases 1&2 1,805,000
Phases 3 on will require increased equipment approximately $875,000
Phase 10 on will require increased equipment approximately $640,000
Phases 18 on will require increased equipment approximately $1,425,000

 

IV. TRUST INVESTMENT BANK LIMITED (SFBBL Trust AG)

SFBBL Trust AG in conjunction with Trust Investment Bank Limited, a 20 year old banking institution with 11 branch locations is able to offer full retail banking services, including the following.

1. Private Bank Solutions

2. Money Transfers and Payments

3. Custodial Safe Keeping

4. Securities FX Trading

5. SWIFT

6. Merchant Accounts

7. Specialized Lending

Online commerce has been a rapidly growing force in the 21st century. More countries, businesses and people use the various forms of electronic trade each year. Despite its flaws, credit cards are still the most convenient and favorite transaction method of this new world economy and more people are driven to use it on a daily basis. However, the credit card is not without flaws. Not everyone can obtain a credit card, and when they do, using it online leaves their card information open to fraudulent use if their credit information is somehow leaked, stolen or given to untrustworthy suppliers.

There is another issue that is faced, not all merchants can deal with credit companies directly for a variety of reasons and even if they manage to enter into a credit card agreement, they must implement a complicated and expensive online credit card processing system, which in most cases does not even provide a solution for credit matching.

With the growth of Internet use, more and more traditional businesses are expanding their activities and going online, in order to increase their exposure to new customers and increase revenues. Since establishing a dedicated clearance system requires installing expensive security systems, high speed servers and special certifications from the credit card companies, small businesses find it is not economical to deal directly with credit card companies when their website’s revenues are lower than hundreds of thousands of dollars per month. On the other hand, their customers are used to paying for services or products with credit cards.

1. Board of Directors

Mr. Alabbas Babbar

Mr. Babbar is an experienced trilingual executive with over 15 years hands-on management experience. Included are Joint ventures, mergers and acquisition of multi million dollars, sales and marketing, supply chain, production and manufacturing lines.

Extensive experience in market and business development in multiple jurisdictions; managing and motivating business sales teams across different cultures; and monitoring and controlling production and sales effectiveness; Revenue Management, Venture Capital. Business Analysis, equity trading, Co-operative Banking. Managing Performance & Changing, including significant involvement with Middle East and GCC markets as well as markets across Canada, USA and Europe.

 

Lord Neil B. Gibson

With a diverse set of accomplishments, Lord Neil B. Gibson is currently the acting chairman of a group of companies, which consist of a diverse conglomerate of domestic and international business.

Neil Benjamin Gibson became a Diplomat in the late 90′s and worked with financial institutions around the world. This enabled him to open relationships all around the globe.

He became a international leader of Humanitarian efforts, which became a true passion for Gibson. He quickly discovered that the many facets of the banking and the financial industry contain the components needed to offer financial solutions for underdeveloped communities in many nations. Such underdeveloped, nations are often overlooked by the majority of the “financial giants”.

Lord Gibson has made it his mission to give back to these communities. In doing so he as establish on going international Banking relationships globally.

Mr. Asad Ali Kazmie

Mr Kazmie has a MBA in Marketing and Finance and is currently the Vice President at the Bank of UAE, Zimbabwe. He has built a successful career in Private Banking, business development and administration, previously the President at Rapid Results, USA.

Mr. Ahsan Rafique

Mr Rafique is currently a Director at SFBBL and the CEO and President at Trust Investment Bank Limited.

Mr Rafique has been in commercial and investment banking for 30 years as well as maintaining key management positions in the private sector and Industrial Operations. He represents the best practices in the paradigm of financial and banking organization.

Mr. Ram Bhatia

Ram Bhatia has over 30 years of experience in the fields of Finance, Information Technology Systems, Operations, Banking, Marketing, Private Equity, Infrastructure Deals, Advisory and Consulting with a focus on Investments, Funds Placement and Client Relationship Management.

He is also presently a Director for Africa Region at Signature Group, Dubai, including Arab Insurance Group, TAIB Bank, and Citibank in Bahrain, TAIB Yatirim Bank in Istanbul, Turkey, ABRAAJ Capital and Abu Dhabi Investment Company (now Invest AD) in UAE.

Mr. Bhatia holds Bachelor of Commerce Degree from Mumbai University through Narsee Monjee College of Commerce & Economics, Mumbai, India with majors in Finance, Economics & Statistics. He also holds Diploma in Information Technology from National Computing Centre, UK, Certification of Computer Audit and Security Systems from Racal College, UK, Certification in Advanced Systems Manager from Novell Netware, US and Certified Investment Advisor from Citibank NA.

Ram Bhatia speaks several Indian regional languages i.e. Hindi, Sindhi, Punjabi, Marathi and Gujarat. Additional languages of fluency are in English and can converse fairly in Arabic & Turkish.

 

Mr. Blayne Wendland

Mr Wendland has been in the Information Technology industry for over 20 years. Working with some of the largest fortune 100 companies in North America and South America, he brings a vast amount of business, financial and IT knowledge to the table, implementing leading edge security systems and methodologies

 

US Division

 

Mr Salvatore M. Franzella, Esq., Legal Counsel

Mr. Franzella was born in New Orleans, Louisiana in 1953. He received his Juris Doctor degree from Loyola University Law School in 1977 and has been engaged in the practice of law since that time. For much of his career, Mr. Franzella worked closely with David M. Barrett, Esq., former United States Independent Counsel, Washington D.C., on both domestic and international matters. Together they represented Wontert Capital Fund, a multinational construction company, and other companies and individuals of similar standing.

Mr. Franzella has represented entertainment, real estate development, mining, technology, and financial service companies, including have had extensive experience with business transactions in Asia, Latin American and Europe.

 

Mr. Anthony Hruska

Benefiting from a prestigious background in finance, banking and international business, Mr. Hruska is the current Director of Operations, whose responsibilities include management of the general operations of SFBBL Trust AG and its subsidiaries, including all banking services, products and SWIFT, lending, debt reduction, and private wealth management. 

Mr. Marcus Barcroft

Mr. Barcroft is the Vice President and Director of Banking for SFBBL Trust AG and its subsidiaries.

With an extensive background in financial matters involving banking, policy, underwriting, compliance and commodities and merchant services. His responsibilities include project review specializing in asset analysis, project service category placement, bank operations and relationship management with licensed broker dealers, traders and lending partners.

2. The Market 

Global Internet usage has grown significantly over the last few years. Today there are over 964 million Internet users worldwide which represent 15% of the world population. (Source: Miniwatts International, LLC. November 05). North America, Europe and Australia represent a higher penetration rate of 68%, 35% and 53% respectively.
However emerging markets like Africa, Middle East and Latin America are growing fast with more than 300% accumulated growth from 2000 to 2005 as seen in the table below. Belize has about 130,000 Internet users (which are about one third population).

 

WORLD INTERNET USAGE AND POPULATION STATISTICS
March 31, 2011
World Regions Population
(2011 Est.)
Internet Users
Dec. 31, 2000
Internet Users
Latest Data
Penetration
(% Population)
Growth
2000-2011
Users %
of Table
Africa 1,037,524,058 4,514,400 118,609,620 11.4 % 2,527.4 % 5.7 %
Asia 3,879,740,877 114,304,000 922,329,554 23.8 % 706.9 % 44.0 %
Europe 816,426,346 105,096,093 476,213,935 58.3 % 353.1 % 22.7 %
Middle East 216,258,843 3,284,800 68,553,666 31.7 % 1,987.0 % 3.3 %
North America 347,394,870 108,096,800 272,066,000 78.3 % 151.7 % 13.0 %
Latin America / Carib. 597,283,165 18,068,919 215,939,400 36.2 % 1,037.4 % 10.3 %
Oceania / Australia 35,426,995 7,620,480 21,293,830 60.1 % 179.4 % 1.0 %
WORLD TOTAL 6,930,055,154 360,985,492 2,095,006,005 30.2 % 480.4 % 100.0 %

Although eCommerce sales represent 1.9% of sales by U.S. retailers, such sales have grown faster than the traditional in-store credit card purchases.

The U.S. online consumer market was estimated at $2.4 billion (Source: Forrester Research). In 2004 it was estimated that the total U.S. business-to-consumer online sales were $144.6 billion, a six year compounded annual growth rate of 80%. Forrester also estimates that U.S. eCommerce revenues for 2005 will be $167.6 billion which represent 16% growth this year. Though eCommerce sales represent only 1.9% of sales by U.S. retailers, eCommerce sales are growing faster than the traditional in-store credit card purchases. Online sales in Europe are growing at an even faster pace. Forrester estimates that eCommerce revenues in Europe were $90.3 billion USD in 2004 and will be $327.4 billion USD in 2011.

3. Payment Methods

One of the main requirements in eCommerce is the ability to accept a form of electronic payment. Over the years, credit cards have become one of the most common forms of payment for eCommerce transactions. In the early years of B2C, many consumers were apprehensive of using their credit cards over the internet because of fear that their credit card numbers would get stolen. However, due to increased security with credit card companies such as VISA, American Express, and MasterCard, there is widespread use of credit cards over the internet, especially in North America.

With the growth of the online commerce market, business requirements and attitudes about electronic commerce have evolved. What began as an online sales experiment for many organizations has become a strategic component of their business plan. Although credit cards have long been the dominant payment method available to online purchasers (about 59% of online purchases done by credit cards), alternative consumer preferences and cultural preferences have impacted the global payment environment. A wide spectrum of payment options, such as debit cards, electronic checks, stored value certificates, and online payment innovations such as PayPal are emerging worldwide. Customers seek a greater access to international markets; conducting online commerce internationally involves supporting more payment types, currency conversions, new payment processors and mitigating higher fraud risk.

According to the ACNielsen report, for most of the online purchases, a credit card (59%) or bank transfer (23%) were used to make the payment. In Europe, however, cash-on-delivery (COD) is the 2nd most used payment method, following credit cards, in markets like Portugal (35%), Greece (31%), Spain (29%) and Italy (28%), while almost half of online shoppers in the UK used debit cards. Cash-on-delivery is also a popular payment method used in some Asia Pacific markets; ranking 2nd to credit cards in India (29%) and Japan (25%). China is most unique with COD (34%) as the most used payment method, followed by bank transfers (31%). Credit cards rank only third (26%) in this market and is followed closely by money transfers (23%). Yet when asked about preferred methods, credit cards (24%) actually come second to COD (32%) in China, indicating an unmet need for online credit card usage in this market.

An analysis of the findings shows an unmet demand for online payment cards in such markets as Russia, France, Poland, South Korea, Japan and China. In each of these markets, a significant number of people wanted to use a payment card but had to use another method or payment. In Canada, on the other hand, there was an unmet demand for PayPal.

“Our recent regional and country-specific consumer studies show that a major concern in lesser developed markets is the safety of online-­and offline-payment methods, while in more developed markets, online shoppers are demanding more sophisticated payment methods,”says Bruce Paul, vice president of Financial Services Research at ACNielsen. “This represents both a challenge and an opportunity for payment card companies and their competitors to understand exact usage drivers as they evolve differently in each market.”

Payment card companies and their competitors understand exact usage drivers as they evolve differently in each market.”In North America, while credit cards (69%) are still the more commonly used payment method, PayPal (29%) ranks second while debit cards, primarily driven by the US market, ranks third (22%). Although credit cards were also largely used in Latin America, PayPal generates high Usage in Brazil, next to credit cards (usage accedes 100% because some users use more than one payment method).
4. Online Payment Market


The increase of eCommerce leads companies to manage financial transactions to transpire over the internet. One of the most familiar company’s PayPal (owned by eBay) which allows consumers and/or businesses to send money to anyone with an email address in 45 countries.

The online payment industry in the U.S. is projected to grow to $32.5 billion by 2011 up from $11.0 billion in 2003 according to Celent Communications (based on a survey of over 100 online payment industry executives). Online consumers are looking for additional online payment options, such as simpler ways to pay online and more payment methods (Source: Celent Communications, Feb. 2004).

PaymentOne determined in April 2003 that 24% of US consumers would like simpler and easier ways to pay online and 11% are looking for more payment methods, indicating significant opportunity for the online payments market.

Online fraud has evolved into an organized and online merchant.

The growth of eCommerce has also resulted in more complexity with internal business processes. Online fraud has evolved into an organized and systemic threat to online merchants. The latest report conducted by Mindwave Research in October 2004, concluded thatonline sellers expected fraudulent transactions to cost them 1.8% of revenues, on average, in 2004. Though that is statistically equivalent to the direct fraud cost projected by the prior year’s survey, the data suggests that the overall cost of fraud, which includes the cost of fraud management and the rejection of good orders, continues to rise. The cost of fraud management is incurred, for example, when merchants require manual intervention, a step that slows order processing and increases costs.

The combination of these market trends is making the management of electronic payment transactions more complex. Online merchants are finding the need to maintain technical and financial connections with a number of different payment processors and service providers integrate those disparate connections with a number of internal business systems, allocate manual resources to keep up with the pace of online sales, and comply with statutory requirements.

Online merchants are finding the need to maintain technical and financial connections with a number of different payment processors and service providers integrate those disparate connections with a number of internal business systems, allocate manual resources to keep up with the pace of online sales, and comply with statutory requirements.

5. System Structure

At the first stage the system will allow online merchants to charge customer credit cards without dealing directly with the credit companies. Making a payment in the system creates a disposable account, used once for a specific transaction only.

The system includes several main components:

  • Credit Card transactions charging commission debtor, creditor or both from either
  • Invoice and receipt production
  • Credit Guard Service Integration –Receipt and processing of information received from the Credit Card Companies via Xor’s Credit Guard system
  • Customer credit rating tests –testing the amount of risk involved in a transaction and approving / denying it accordingly.
  • Controller Class & Feedback system – matches transaction to actual CC company payments.
  • Graphic User Interface (GUI)
  • Transaction Rollback
  • Action Re-run
  • Safe Charge Service Integrating –Integrating transaction security checks into the Small Farmers and Business Bank process.
  • Electronic security –SSL Certification for the Transaction web which insures security of data transmitted through the web site
  • Electronic Signature –PKI process to electronically sign system generated invoices & receipts.

6. Lending Model

Lending will be composed of both commercial and micro lending products.

The products and services range from highly competitive interest rates, asset leveraging, capital enhancement, debt reduction strategies and small, low income based loans for immediate needs, commonly related to small farming, livestock, etc.

In Development:

 

Low Income Housing Program

We are finalizing a program that will provide much needed financial support for the construction of government approved housing units in designated areas, allowing families to obtain adequate housing as a first bridge to promoting economic growth to the citizenry.  The program will be supported in connection with the efforts of the SEED FOUNDATION, to provide a balanced approach to funding of basic needs to foster a working environment for families in need.  Loan balances will not exceed $10,000.00 and will provide for low interest and long term repayment periods and rental allowances.

The program details are currently under final review and planning for deployment in 2015.

 

7. School Funding and Supplies

 

Contingent upon final details, we are prepared to offer an educational program focused on financing existing schools, including the opening and construction of new classrooms, along with arranging for adequate supplies to be provided.

SFBBL Trust AG maintains extensive relationships to obtain and deliver a number of much needed school supplies, from text books to computers and much more.

 

V. CONCLUSION

We trust you found the contents of this conceptual business plan intriguing and educational, welcoming opening conversations with our company.

You will naturally have numerous questions and many thoughts of how you envision these programs potentially applied to the communities of your country. We look forward to any and all ideas you may have, and would very much dialoguing in great detail with you.

Please feel free to reach out to our board member, Mr. Asad Kazmie, of whom you have already made his acquaintance, to make the appropriate arrangements.

Thank you for your time and consideration.

 

2 Landsdowne Row Suite 288, Berkeley Square, W1J6HL, London, England

Web: www.sfbblag.com, Phone: +44 20 7543 7735, Email: info@sfbblag.com

Joint Venture & Executive Summary

O&G Production Management, Inc.
LNBG LLC
Joint Venture & Executive Summary
LNBG LLC & O&G Production Management, have created a solid financial base to operate a mineral based business relationship. The model and an affiliated foundation will have a worldwide impact. The business model is based on acquisition and expansion of oil and other mineral based prospects with existing production. Multiple prospects with excellent returns have been selected. The acquisition sequence has been prioritized in accordance with the expected ROI for each site. The due diligence has already been completed for the first two prospects, and the acquisition cost has been pre-negotiated. In addition, the engineers outlined a desired improvement and expansion plan to ensure maximum profitability and return on investment. The total cost of acquisition and expansion for the first two prospects is $147 Million. The details will be included further in the master business plan. Additionally, there will be an immediate need in the first two years for approximately $1.5 Billion US Dollars to acquire other prospects with high returns. The improvement and expansion costs of these sites will be covered by the first two prospects. The acquisition portfolio will include oil, gold and other minerals.
This Master Business Plan will cover the planned operations of all owned or supported entities by Joseph Allan Mueller and Lord Neil B. Gibson over a 5 year period. This includes “for profit” operations in petroleum ventures, hard rock mining, placer mining, mineral investments, waste water treatment, alternative energy, R&D, financial investments and philanthropy. In addition “nonprofit” endeavors will include supplying fresh water treatment systems for developing countries, Humanitarian relief and support for UN sanctioned projects, developump jackping food bank support services for religious organizations in the USA and other countries.
The JA Mueller Foundation and Seed foundation will cover all overhead for the charitable works, in which it is involved, to ensure that 100% of the funds donated by corporations and individuals go to the intended cause. In addition, these projects will create over 1,400 jobs in the first year and peak at over 7,500 by the end of the third year. Ninety percent of the jobs created will be professional positions with above average income. These projects and the associated jobs will not only be located in the USA but also in emerging markets in other countries.
The business developed will have a large portion of all the profits directed to a foundation that will support the nonprofit endeavors and create a base for other business to invest their profits into their fellow man. The circles my pier group operates in is one that makes hundreds of billions in profits per year. Many of the men and women who make the philanthropic decisions for these companies are more than willing to put their support behind such a foundation as long as it can prove its use of funds. A foundation that will allow 100% of their chartable efforts go towards the cause intended, instead of just a small percentage is something that has generated interest from several large petroleum companies we do business with. We are confident that others will find it worthwhile to invest in.
The Executive Summary will cover in broad strokes the projects along with a financial snap shot for each endeavor. In some endeavors I may bring in partners or do joint ventures (JV) either by design or as a bargaining means to get what I want from the project. I all cases I will hold the controlling interest and the management team will control the direction of the project(s). In each case 50% or more of the profits will go to the foundations and the remaining profit will be used to expand the business base to create more opportunity.
The corporation; O&G Production Management, Inc. is wholly owned by Joseph Allan Mueller and is acting as the initial representative corporation for the compliance on the Trade transactions they are entering into. As it is only one of many companies, I will be replaced with JA Mueller Mineral Investments, Inc. as the parent corporation covering all other corporations invested into. A full Business plan with financial projections will be available to partnering company’s.
O&G Production Management, Inc. LNBG LLC.
8800 Broadway, Ste 200 San Antonio TX 78217