What is ALAT?

ALAT is a digital bank, the first if its kind in Nigeria! It is an innovation of Wema Bank Nigeria, developed to give you easy access to saving your funds and doing other bank transactions without being physically present at the bank.

With Alat digital bank, you can open a savings account using your phone number and Bank Verification Number (BVN) as well as other documents that you will be prompted to upload during the registration process.

It’s simple, convenient, reliable and requires no paper work. You also stand a chance of making money off it.

Great Opportunity on how you can start earning money with ZERO INVESTMENT

I want to introduce to you a legitimate business powered by WEMA BANK PLC who just launched her new mobile banking app called ALAT.

Now, how does this have to do with me earning a living?

WEMA BANK PLC came up with a business that pays anyone just for using her new mobile banking app.
✔No investment.
✔No buying & selling.
✔Unlimitted Earnings.
✔Instant pay per work.
✔No PayPal Account.
✔100% instant bonus.
✔10% interest on savings.


In this business,there’s only one means of earning which is by creating awareness(referring/inviting).
You earn as you refer. You earn a credit of #1000 instantly in your ALAT account per person that uses this app using your referral code. This isn’t peer to peer, ponzi or mlm, you are been credited instantly by WEMA BANK PLC. This is free of charge, you don’t have to pay anyone, not even your referrer nor WEMA BANK PLC.

With is ALAT app, your earnings are unlimitted.


I get credited with #1000 instantly per person that uses my referral code, if I refer 5 persons, I will earn (#1000×5)=#5000,when I refer 10 persons, I will earn (#1000×10)=#10,000

With this app, you stand a chance to earn 10k, 20k, 30k…….. instantly by referring 10,20,30……..persons free of charge,this is so so sweet.

♦NOTE: You get an instant credit alert SMS on your phone on any pay & when you login to your app, you will see the same amount you saw in the SMS.


This is very easy, All you have to do is to open a WEMA ALAT Account using the below procedures:

✔Download ALAT app from your Playstore (Android) or Applestore(iOS devices).
✔Open & Fill in your details in the app (phone number,e-mail address,date of birth, Bvn number[dial *565 *0# to know your bvn number]).
✔Input UBCBAV in the gap for referral code, don’t leave it blank.
✔Upload a picture of you & your signature whc u sign on a paper & upload.

Now, your WEMA ALAT BANK ACCOUNT have been created & ready for use.
On your dashboard, you will see your Account Balance as #0.00 & your Account Number.

✔To activate your account, you will need to fund your account with #500 ONLY,this can be done through online banking,ATM or walk into a nearby bank.
✔After a successful funding, you will get an instant credit alert of #1000 as SMS & also it will reflect on your dashboard and your balance will change from #0.00 to #1000.00(that shows it’s free since the #1000 is still yours).

Now you have a fully functioning bank account that can send moneyreceive money, save moneybuy airtimebuy Data, you can withdraw your money via ATM Machine using your ALAT debit card.

After you must have done the needful above, CONGRATULATIONS .

✔Click on refer a friend to access your referral code, use it to refer a friend & earn unlimitedly.


Getting people is not a problem especially in this Internet age where most people are on the Internet with their Android phones and Laptops. However, there are many ways you get people registered using your referral code. You can get people by the following methods: Direct talk with family members, Friends, Relatives etc. You can also get people through social platforms like Facebook Page/Group, Whatsapp Group, Twitter, Histagram, Blogs, Forums like Nairaland, jiji, olx, News platform and many other platforms you could ever think that people do visits often…This is how I make cool money with this WEMA BANK APP.


✔This account can save more than #200,000.
✔This account can carryout a transaction of over #20,000 at a time with any other Nigerian bank.

Remember to fill your detail with referral code UBCBAV

In your first login, if you have issues, simply click on “Forgot your Password?” and reset your password to the initial one through the Password Reset Notification sent to email and after that, your account will work fine.

More so, go to the profile section and fill in your details, ensuring that all the ticks are green so that your account does not become restricted. Check this section regularly to ensure they’re all perfect.

NOTE: You can also sign up via System/URL by clicking:
But, to get your referral code, you must use Alat app via Android or iOS device.

Open a bank account in less than 10 minutes and get your Virtual Card shipped to your doorstep in four business days.  I hope you find this very interesting and easy?


ALAT By Wema Bank will save you time with a simple account opening process.

# Cash out: For every friend who joins alat with your referral code and funds their alat account with 500 naira, you will be given a gift of 500 naira. When you refer up to ten friends who all fund their alat accounts with 500 naira and upload required documents,they will add 5,000 naira to your account for a total of 10,000 naira

# Save Easily: Take the pressure off with a simple automated savings plan and earn 10% annual interest – three times the standard bank rate.

# Sign Up In 5 Minutes: Open an ALAT account from your phone with your BVN and phone number, no paperwork required.

# Schedule Transfers: Schedule your transfers and recurring bill payments so they’re paid on time even if you forget.

# Free Card Delivery: Pick one of three bank card designs and we’ll deliver yours to you in two business days, anywhere in Nigeria, at no cost.

# You Can DIY: Change your PIN, update your personal information and upload documents with your phone’s camera. No help needed.

# Control Your Card; Activate your debit card, lock it, unlock it and choose where it works all from your phone.

# Fund your Account: You can fund your Account via a Wema Bank Current or Savings Account (If you are an existing Wema Bank customer) or via other local or foreign card from any bank.

# Zero account: You can withdraw all your money.

# Automation: It will help you put money away easily by automating your savings. It will make sure your bills are paid on time with its scheduled payments feature.



Old boys association in any school is a great thing to establish. The reasons are quite simple.
In secondary school, you have the convergence of age mates as at the time you’re still developing your characters. This stage, you form in depth alliance in friendship.

Today, in Paradiso hotels, at Joseph Orua street, Amuwo Odofin, close to apple junction, Festac extension, Lagos State, Nigeria; the old boys of SAINT PETER’S SPECIAL SCIENCE SCHOOL, ACHINA had their reunion/ get together.


It was a great reunion of old school mates. The joy of seeing an old boy was really incomprehensible. They really united and had great merry.

The greater reunion/ convention would hold on the 1st of January, 2017 (from 4pm) to 2nd of January, 2017. The events would encompass several activities which would bring back old memories as the old boys would lodge in their former hostels (origin, extension & exile)
Below are the cross sectional  picture stories of the event as it happened in Paradiso hotel & suits, Festac Town, Lagos.








How it works

How does it work ?

You become a member by registering FREE on our site
You log into your account known as Personal Office with the login details you registered with.
You declare the willingness to donate (“Provide Help”), after which your account will be rewarded with the same amount you pledged. Your money will start growing from the moment of offering the contribution at the rate of 10% per week with other bonuses (Calculation of reward occurs every day) This sum shows how much you can request for yourself after a week of making the pledge and paying out to the receiving participant.
Say you have announced willingness to assist with N100,000. You will be rewarded in your Private Office with N100,000. And it will immediately start growing! A week later, this N100,000 will become N110,000 and in a month, it becomes N140,000. Accordingly, you will be able to request assistance for N110,000 in the first week, N120,000 in the 2nd week, N130,000 in the 3rd week and N140,000 in the 4th week. All after your pledge might have been transferred and confirmed.
Request for providing help comes to you in your personal office. If you do not do it within 48 hours during the week and 96 hours on weekends, you will be removed from the system. (For ever and ever) and can’t register with the same name again.
Please note that the use of the words 10% a week cannot be considered as a yield or interest rate since the funds were given away in goodwill, we are not earning anything anywhere (we are a mutual-aid fund), it’s purely a reward for taking a risk to help a fellow participant.


Apart from weekly 10% reward, here are other ways members get rewarded in Givers Forum
When registering in the system, you get a one time reward from N1,000 to N50,000 as a token of appreciation for stepping out to help humanity (Strictly for those who make pledges immediately).

Donations from 20,000 earns a reward of 1,000
Donations from 200,000 – earns a reward of 5,000
Donations from 500,000 – earns a reward of 10,000 
Donations from 1,000,000 – earns a reward 20,000
Donations from 2,000,000 – earns a reward 50,000 


Inviting new members into the Community is your additional contribution to its development. But nobody force the members of the Community to invite new participants. But at the same time, understanding that the GIVERS FORUM can’t exist without people, these bonuses motivate members to take an active position and spread the good news with their contacts.

1st generation – 10%
2nd generation – 5%
3rd generation – 3%
4th generation – 1%


How to Participate

So, you decided to participate in GIVERS FORUM. How to do that? It is simple! Just go directly with this points.

Register on the website giversforum.comEnter the Personal Office (PO).There will be two big buttons: “Provide Help” and “Get Help”.If you want to put your money, so click “Provide Help” and point the sum of money, you would like to put in the System. The minimal sum is N5,000.You will get in the same moment the amount in your Earnings, and they begin to grow with the rates of 10% per week.Then you will get the order with bank details of a participant that you must transfer the money.
The order will also have the contact details of that man, so you can talk with him if you wish and make sure, that he is real and alive, same as You are.
There is no central account in GIVERS FORUM, to collect all the money of participants (and from where they could be stolen easily). All the money transfers are made directly between participants.
It means that everything is quite clear and honest. GIVERS FORUM plays just a role as some kind of a dispatch, which connect the participants.Transfer the money to that participant, upload evidence of payment. He confirms the receipt, and after that Your Earnings becomes “confirmed”. That’s it! Now You can ask for help at any moment after one week.If you want to Get Help, click “Get Help” and point the sum.
Another participant will get the order and he will transfer money to You, just as You did before. But don’t forget to confirm the money received, after You get the money to Your bank account. (Not before! Beware of fraudsters!) .Please don’t forget to send your testimonies to

Don’t sit on the fence like when MMM started and be a latecomer…… Now its a household name ….. Join the early birds and be financially okay within a very short time…….

Wonders shall never end; Human eaters nabbed!

This will shock you to the marrows and send shivers down your spine.


Police Arrests Two Men in Kiboga For Cannibalism.  Kiboga is located approximately 123 kilometres (76 miles) northwest of Kampala.
We always hear these stories but some of us end up convincing our selves that they are not true but perhaps this shocking story might change your thinking . On Saturday, the 29th of October, Police caught two men red handed while feeding on human flesh; and  still even possessing some of the yet to be cooked human remains


According to residents of Kiboga, a village located along Hoima road, these two men have been killing and feeding on fellow village mates as people have always been disappearing without any trace not until these two men were suspected and later on captured with all the needed evidence.
Men do unimaginable things everyday.


Human head cooking in a pot


Lots of Zimbabweans are in a financial trauma as you read this, all thanks to the popular Ponzi scheme called MMM.

Thousands of people living in Zimbabwe, among them civil servants, vendors and more, were said to have lost thousands of dollars to fraudulent online pyramid scheme MMM Global Zimbabwe after the system collapsed recently. The social financial network, which relied on an accelerating number of new members to pay off the old, abruptly terminated its services without any prior notice last week leaving participants stranded.


MMM-Federal republic of Nigeria

MMM pyramid scheme (bitcoinhub) reports that these Zimbabweans joined the online investment scheme with the sole aim of “getting rich quickly”. It was said that the Reserve Bank of Zimbabwe warned its people about the system, saying the scheme was fraudulent.

The scheme prides itself as a mutual aid fund under which recruited members contribute money to assist others and are promised investment returns of 30 percent per month. Some of the people left counting their losses told The Herald that they received emails that the scheme had been suspended until September 15.

One of the participants, Mr Tinashe Muza of Harare said: “All along things were moving in the right direction and we now have nowhere to claim our investments. When we started putting our funds in the scheme one could get assistance within seven days but things later changed to 14 days and when we were shut out the waiting period was 21 days. What it simply means is that the number of people in need of help has outnumbered the number of people joining. Right now we have nowhere to get our money which we invested”.
MMM stands for Mavrodi Mondial Moneybox and takes its name from its founder, Sergei Panteleevich Mavrodi of Russia. He founded MMM in 1989 and the scheme was declared bankrupt three years later leading to the disappearance of Mavrodi until his arrest in 2003.

While some people who were skeptical about the scheme started with small amounts, it is believed some poured in thousands of dollars anticipating higher returns. The RBZ said the schemes were fraudulent as existing investors were ‘paid money not from genuine market investment of their funds, but from contributions made by new investors, until a point when the scheme can no longer attract new investors.”

Sergey Panteleevich Mavrodi is a Russian criminal and a former deputy of the State Duma. He is the founder of the МММ series of pyramid schemes
Currently, the scheme is in Nigeria and it is called MMM – Federal Republic of Nigeria. Lots of Nigerians are on the scheme and the scheme actually works (just like how it was working well at first in Zimbabwe). MMM Nigeria, is a Ponzi scheme that originated in Russia that has now set up in Nigeria. Wikipedia says the company was involved in one of the biggest Ponzi schemes in the 1990s. It was estimated that thousands of people lost up to $10 billion dollars.

Well, a lot of people think the scheme is legit and not a scam but the history of the company says the opposite. Only time will tell. The psychological joy in getting your money increased by 30% in few weeks would throw you into another acronym called (GL) get loan.
So you would GL to PH so as to GH the more.
When you (PH) Provide help to (GH) Get help, you provide money to pay the first comers… and you get help with late comers money. A time shall come when the system would saturate, and no new comer’s money would be available.
Be warned.





1. MELISFON is fully REGISTERED with FGN. RC NO 1345270(For those who think MELISFON is a scam).
2. Get paid daily
3. Payment is instant(to your local bank account )
4. No buying/selling
5. No target
6. No autoship
7. You don’t need to balance leg to EARN
8. Team work (guaranteed)
9. Free medical care
10. Free skill acquisition
11. Free international trip
12. Incentives start from STAGE 1(Yes!)
13. You can open as many
accounts as possible in your name.
14. Additional incentives(Brand new Android Phone, iPad, Laptop, Brand New Hyundai Elantra car, and a Brand New SUV! )
Now how cool is that?
Become a member and you are entitled to all FOURTEEN (14).



Buy e-Pins for your registration, please follow this steps:

Make payments into any of our bank accounts:
Bank: GTBank
Acc. Number: 0223513517

Bank: Zenith Bank
Acc. Name: MELISFON NIG LTDAcc. Number: 1014738059
then send email to or indicating the following details:

Name of Depositor Amount Deposited
Date of Depositor
Bank of Deposit

Note, your e-Pins expectation is 24 hours of working days and you will get it through the same email you sent the message. then proceed to registration panel following the link below↓
Also click the link to join our watsapp group for more clarifications and guideline: I am valerie, i am committed to your success.