Online Banking..

Found this article quite interesting: 


This Article is specifically for Papa @ Sultan Hassanal Bolkiah.

I hope you'd understand what i mean in this particular article of mine.

This is just to comfirm with you Papa of my bank account and account number.

The below is the screenshot & scanned image of my HSBC Account with my account number as proof.

I opened an account with HSBC with 1 purpose, to simplies you & fasten things without intereference of parasites between us.

I just opened this account on the 11th February 2011. It's not easy to open an account at HSBC. The qualification were tight.

The above is a screenshot from my Online Banking @ HSBC , noticed my full name on top-right ?
That is a saving account, i could only open this kind of account for the time being.

For YOU Papa... you should open a " HSBC Premier Account ". It has more privileges, control and benefits.

Why HSBC ??? Because it's a World's Local Bank. It has branches in 88 countries, it has multi-currency account, it has off-shore banking account etc.

What's best about using World's Local Bank (HSBC) ??? Any transfer between HSBC to HSBC account is a local transfer / internal transfer.

Meaning, transferring money internationally from HBSC to another HSBC account will not get through Central Bank (Bank Negara), as it is a local transfer within the bank's internal system. Thus eliminate the hanky panky / bureaucracy / red-tapes / aswell unscrupulous immoral corrupted political govermental personels at the Central Bank (Bank Negara) could not touch our money / your money Papa.

Considering local transfer between account, the transfer will be INSTANTLY like making instant noodle.

How ever, since i'm a Malaysian. I'm bounded the Malaysian law. There is an Act known as AMLA (Anti-Money Laundering Act 2002) for international incoming & outgoing transfer of large amount. But this is not a problem with you or receiving money from you Papa @ Sultan Hassanal Bolkiah. Bear in mind, you are the richest men on earth aswell a "Head of a Country" with diplomatic privileges. Do you know what does that means ? It means, you are out from any law, you are not bounded by any law !!! Meaning, your HSBC Premier Account will be put in a X-directory (special folder / special customer), only a certain person in the bank have the authority level to access your account details. And your account too will be out from any bank limit or monitoring (out from AMLA). Get the picture ?

HSBC Malaysia stated that incoming / receiving amount more than RM 50,000 (RM49,999 max limit) will be reported to Bank Negara Malaysia. But... since i will receiving money from you @ Sultan Hassanal Bolkiah, with your name and identification of your account as the incoming transfer. That wouldn't be a problem, passed !!! RM 800,000,000.00 (RM 800 Million) in a one go transfer wouldn't be a problem.

That's your privileges, now let's go for the trick to by pass hanky panky and parasites. Open up a HSBC Premier account in HSBC Brunei at http://www.hsbc.com.bn/1/2/hsbcpremier/home , wired some money in your HSBC Premier account, let say BND $ 500,000,000.00 (BND $ 500 Million, that's equivalent to RM 1.23 Billion).

Next step : created / register your online profile (one time setup) at http://www.hsbc.com.bn (or yours at which country your main Premier account opened at). In the registration page, choose the option for "Phone Banking" (not ATM card), this will give it a harder security. You will be provided with Phone Banking authentication number and PIN number during the time of opening your account. Register your online banking with it. NOTE : you should request for a "Security Device" as below picture, read on i'll explain later what's the use of it. Complete your particular details, and there will be an option for you to choose from, tick / select the option "I have a security device", then it will ask you to put the serial number at the back of the device. Thenafter, you are done !!! Please logout from your account after the registertion completed. Then login again using the option "Login With Security Device", it will ask for your username, password, secondary password. And... And... the 6 digit code provided by your "security device" gadget.

Once you've re-logged in your account, go to (look at left side of the page) "Services" > Change Limit , change your daily maximum limit transaction, as example, mine has RM 10 Million per/day limit. Since yours a Premier and Special customer, you might have a BND $ 100 Million limit by default, OR you could ask your HSBC Premier Manager during the opening of your account to make the limit to BND $ 500 Million per/day or per/transaction. (NOTE : this max limit transfer function only available when login with "security device".)

NOW that you are ready to make the initial transfer. Make sure you've put and wired sufficient sum into your HSBC Premier account. Then (look at the left side of the page) Click the word "Transfers" > Make a Transfer. As the above image / screenshot. The 1st box (From Account), select which of your account to use, HSBC / HSBC Amanah. Then click at "Check Balance".

Then at the 2nd box (Transfer To), select "Other HSBC / HSBC Amanah Banking Account". This will be my account type, Yes... Mine is HSBC Banking Account.

Next at the 3rd box (Beneficiary Details), enter 301 - 592135 - 025 as that is my account number (Please refer to the below account statement image for confirmation), and please use MYR (RM) as the currency to be transfer and receive by beneficiary (Yes... i want in MYR / RM Papa).

As for the 4th Box (Transfer), entered the amount of that you want to transfer to me, for RM 800 Million, just enter 800000000 (that is 8 after 0 / zeros apart from the number 8 at the front, the system will automatically adjust it as to 800,000,000.00). Then at the another box below it, select the option "In The Currency of The Payment", since MYR were selected.

Then at the 5th box (Date and Frequency), tick at "Transfer Now". Ofcourse you want it to be transfer now. This will be instantly, like making instant noodle. It's local transfer between HSBC account.

As for the 6th Box (Detail), you can leave this empty or add a note to your account so that you could be enlighten for who and what the payment / transaction are for.

NOW... the best part, at the 7th Box (Exchange Control), select the code 15100 Government Transactions. Since you are the Government of your own Papa @ Head of Country Brunei.

Lastly... Please double / triple check all that you entered are correct and right. Especially at the beneficiary detail, my account number and the amount.

THEN... Click at TRANSFER !!!

You can monitor the transaction yourself from where ever you are, even in toilet while soaping in your jacuzzi. If it successful, it will stated in the transaction confirmation right after you click the button "Transfer". If it pending, you can keep track in the transfer history function. It will not pending since it's a local transfer (HSBC to HSBC).

I prefer this method, World's Local Bank, since any branches of it from 88 countries will be local transfer (instant). Rather than wired / telegraphic transfer, international wired transfer will takes about 2 - 4 days for clearance. Wired transfer has Hefty Bank fee, currency conversion rate, upon Bank Negara approval etc all the hanky panky purposely causes by those corrupted and parasites aswell you can't monitor the wired transfer progress. PLEASE DO NOT USE WIRED TRANSFER. ( * HSBC to HSBC transfer are fee free. Except for currency conversion. Premier Account has the best rate given by HSBC for currency conversion.)

Dear Papa @ Sultan Hassanal Bolkiah, if you think the above still not swift enough to by pass the hanky panky that will be cause by Bank Negara Malaysia as the proxy of those corrupted and bureaucRATs. Hehehe... as a Premier & Special customer of HSBC, your main account is at HSBC Brunei, you can ask your Personal Premier Manager to open you a Premier Account here in HSBC Malaysia (as well you can validate my account too to special things up, you can provide HSBC with sufficient documents that i am your son / adopted son), you don't have to come to HSBC branch Malaysia. Do it and just open it from HSBC Brunei using your Premier account detail there to open another Premier Account without going to HSBC Malaysia. Then... transfer the amount from your HSBC Brunei Premier account to your own HSBC Malaysia Premier account, then from your HSBC Malaysia Premier, transfer it to My HSBC account as above. Simple... !!! Nobody will question you... not even Bank Negara. Since it's your own account in Brunei to your own account in Malaysia. BY PASS !!! Then from your Premier HSBC Malaysia account to My Malaysia HSBC account. All via online Papa... 24 / 7 / 365 !!! Trust no one, just trust your self. This will let you have total control from A to Z and monitor it your self, no one can con you nor telling lies to you. ( * If you have more than one HSBC Premier Account, you can link up all your other account in just 1 online banking profile / login. It is called HSBC Multi-Account online banking.)

Oh... Why i chose HSBC ? Apart from them being the World's Local Bank ??? Because they are a Foreign Bank, and the 4th Largest Bank in the World. And they took care of my privacy and secrecy. Unlike the kampung and low mentality local banks in Malaysia, most of them are politically connected, they are corrupted. My privacy breached before, including CIMB, AMBank Mastercard, etc. Some people knows about my financial details, and they are speculating, i heard it. I have my informations from a reliable source.

For your info Papa, in Malaysia, there is a "Banking and Financial Institutions Act 1989" known as BAFIA. Please reads it here : http://www.bnm.gov.my/index.php?ch=14&pg=17&ac=14&full=1 , refer to Claus Part XIII - INFORMATIONS & SECRECY. Financial instituition cannot reveal my (customer) account details nor particular details or breach the customer right without the permission of the customer or requested by the customer, not even police (corrupted police), and not even personels from Bank Negara Malaysia. Except by a "Court Order" ONLY !!! If so happened privacy breach, the particular bank have to pay a penalty fine of RM 10 Million to the customer and the person responsible for the breach will entitled to a 10 years in prison. For your infomation Papa... HSBC Malaysia board of directors, all the executive power are held by HSBC person them self (non-Malaysian). The C.E.O HSBC Malaysia himself is aswell the C.E.O HSBC Amanah Global. Meaning, they give a darned about politic, they only care about their business and beneficial of their Bank, aswell to satisfy their customer needs and requirement.

Yes Papa @ Sultan Hassanal Bolkiah... those villains and corrupted, i will not allow them to touch my money, not a cent !!! And it is tax free... i repeat, tax-free !!! What law they can nor allow them to tax money given by a father to his son ??? Ask them to tell us... NONE !!! You should know Papa that those people had told you lies before... but this time, it come from me my self in this article. As you don't hear from them, but directly from me in this journal of mine. So that you will not be scam and fooled by them. You will get the correct account number of mine, and you got it right !!!

For that huge amount of RM 800 Million transferred to my account, you can be sure Papa that HSBC will call me to notify and acknowledge me, they will definately ask me to upgrade my account to a Premier Customer Account.

Let's get my suffocation over and this solve once and for all... !!! I've made my move, and it's your turn Papa.

The above is my account statement, stamped by HSBC officer herself to verified it genuinity.

My HSBC Account number : 301 - 592135 - 02

This is HSBC Online Banking "Security Device"

Papa... You should opted for this when opening a HSBC Premier Account, because it will hardened the security of your online banking aswell to your phone banking.

As above i told you, when registering your online banking profile, registered it with your "phone banking" rather than ATM Card. Because your online and phone banking security verification will based on the digits code provided by this device.

I uses this option "security device" because no one can pretend to be me, even they call HSBC, because they will be required to give the 6-digits code from the device to verify them self as me. Aswell the 6-digits code from this device shall be entered to login to HSBC Online Banking for a full banking fuction with max limit and options.

Without this device code authentication, phone banking will no to avail. Online banking will be limited. Yes... one can login into HSBC Online Banking without the 6-digits code from this "security device", BUT limited functionality. Daily limit transaction will be limited to RM 1000 only (ATM witdrawal limit could not be set or change via online except for at the ATM Machine it self). And that's all can do without the device authentication. And you can't change anything in the account, not even the password. (Apart from level 2 of the secondary password). HSBC online banking has 3 layers of security authentication. I don't think it's a hassle or a fuss... but it's awesome !!! It's convenience for me... ofcourse i am not carrying this device anywhere i go, i keep it in my house safe box (vault).

NOTE : Every device of this "security device" is unique, it doesn't generate the same number of sequence. Every each has it own Algorithm Mathematical calculation, it uses 1024-bit persuedo random generator, it could be plus, minus, multiply or devide algorithm of each same device. It might generate the same 6-digits number, but it wont work with other people's account that registered with it. Since it serial number are different, that consist the algorithm mathetical calculation to generate the 6-digits code. Example : mine might be plus & minus algorithm, yours might be plus & multiply algorithm and a different starting number for it to generate the next code digits. So... this is a taugh and non-figurable code "security device".

Best Regards,

Luqmanul Hakim bin Abd. Rahim bin Abdul Wahab(+6) 017 - 330 8263
(+6) 019 - 338 7025