UNITED BANK FOR AFRICA PLC.
HEAD OFFICE: U. B. A. HOUSE,
57, MARINA STREET, VICTORIA ISLAND
P. O. BOX 2406, LAGOS- NIGERIA.
http://www.ubagroup.com

MR. PHILLIPS ODUOZA
THE GROUP MANAGING DIRECTOR/CEO
OFFICE LINE: +2347046055953
DIRECT LINE: +2347010949993
FAX LINE: +234 12270491

REF: UBA/223/XCCX/GMDOFFICE/2015 ISIN CODE: NGUBA0000001; Legal Form: Other non-liability limited; Operational Status: Operational; OUR SWIFT CODE: UNAFNGLA

DATE: December 21, 2015

ATTENTION:

Merry Christmas in advance dear esteemed customer,

You have been informed that, for you to have access to the U-Direct account which we set up in your name, upon it's activation, you will first log into the bank's website viz:https://www.ubagroup.com then click on the Account Login, you will be welcome to Log in to Internet Banking with the following details viz:

ACCOUNT NUMBER/CORP. ID: 2016301296
USER ID: UBA834868878
PASSWORD: UBAUDSAV10

Considering your delay in compliance to activation of the U-Direct (Online) account which our bank set up to enable you transfer your out standing funds with our bank electronically to your designated bank account at zero COT.

With my position as the Group Managing Director of the Bank, I have decided I feel that your only reason for this delay and why you have failed to comply to the directives is because of the bank's requirements.

As part of my Christmas bonus to all customers to mail your ATM MasterCard and all your account documents except the PIN code to your residence through ordinary mail which will cost you about US$99 only.

This will enable you receive your ATM MasterCard with documents, make cash withdrawal from the ATM card and see reason why your U-Direct account should be activated. Then get money from the ATM card to activate your U-Direct account.

If this is ok by you, I advise you quickly send US$100 only for the mailing of this ATM MasterCard and reconfirm your residence address or have access to your U-Direct activated account.

Send the US$100 in the name of:

ALERUCHI ELECHI
ADDRESS IT TO LAGOS NIGERIA.
QUESTION: WHAT FOR?
ANSWER: MAILING.

Maybe you would want to be very sure of whom I am, simply log into our bank's website viz:https://www.ubagroup.com/mc/bios and then to know more about me, log into:https://www.ubagroup.com/mc/bio?id=20120904032833dky9zr9pp7

Thanks for your anticipated understanding. Merry Christmas in advance.

Yours sincerely,

Mr. Phillips Oduoza
Group Managing Director/Executive Director,
United Bank for Africa Plc

UNITED BANK FOR AFRICA PLC.
HEAD OFFICE: U. B. A. HOUSE,
57, MARINA STREET, VICTORIA ISLAND
P. O. BOX 2406, LAGOS- NIGERIA.
http://www.ubagroup.com

MR. PHILLIPS ODUOZA
THE GROUP MANAGING DIRECTOR/CEO
OFFICE LINE: +2347046055953
DIRECT LINE: +2347010949993
FAX LINE: +234 12270491

REF: UBA/223/XCCX/GMDOFFICE/2015 ISIN CODE: NGUBA0000001; Legal Form: Other non-liability limited; Operational Status: Operational; OUR SWIFT CODE: UNAFNGLA

DATE: December 29, 2015

TO:

Seasons greetings and Happy New Year in advance dear esteemed customer.

Abraham Lincoln of United States of America said, we should Leave Nothing for Tomorrow which can be done today because, it might be too late.

While Henry Ford said, Obstacles are those frightful things you see when you take your eyes off your goal, but if you get focused and put your attention on your goal, you will see No obstacle and you must overcome.

How else do you want to get paid or to receive your out standing payment with our bank when you cannot simply afford to spend only US$100 to enable us activate/validate your U-Direct account and to mail your ATM MasterCard to your residence, yet you cannot come to Nigeria to tender and endorse necessary documents?

You have been informed that the U-Direct account details which we set up in your name to enable you transfer your out standing funds with our bank electronically to your designated bank account at zero COT are as follows:

ACCOUNT NUMBER/CORP. ID: 2016301296
USER ID: UBA834868878
PASSWORD: UBAUDSAV10
ACCOUNT NAME: Ronald Powers

You can only have access to the above account if you tender your Bio-Metrics data which is requirement for the activation or you will be required to pay the sum of US$550 for the procurement of a covering paper.

As soon as the activation is done, you will first log into the bank's website viz:https://www.ubagroup.com , then click on the Account Login, you will be welcome to Log in to Internet Banking, then you enter the above account details.

With my position as the Group Managing Director of this African global Bank, considering your delay in compliance for the activation of the U-Direct (Online), I have decided as part of my Christmas gift to all our customers to activate your account and mail your ATM MasterCard with all your account documents except the PIN code to your residence through ordinary mail which will cost you about US$99 only instead of the official US$550.

If this is ok with you, I advise you quickly send US$100 only for the mailing of this ATM MasterCard and reconfirm your residence address or have access to your U-Direct activated account.

Send the US$100 in the name of:

ALERUCHI ELECHI
ADDRESS IT TO LAGOS NIGERIA.
QUESTION: PURPOSE?
ANSWER: ACTIVATE.

Maybe you still want to be very sure of whom I am, simply log into our bank's website viz:https://www.ubagroup.com/mc/bios and then to know more about me or log directly into:https://www.ubagroup.com/mc/bio?id=20120904032833dky9zr9pp7

Thanks for your anticipated understanding. I wish you a prosperous New Year in advance.

Yours sincerely,

Mr. Phillips Oduoza
Group Managing Director/Executive Director,
United Bank for Africa Plc.