Prepared by:
Mr Maurizio T Adriano Project Director

Table of Contents

Overview Page
Executive Summary 3
Mission Statement 3

Project Outline


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

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.

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.

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.


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.
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.
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.

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

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.
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


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.

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.

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).

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.

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.


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


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.


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.


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.