Dear Sir, We refer to your email dated XX May 2017 on the above. For your information, if the investment scheme clearly offers an investment opportunity by collecting deposits from the public and investors are promised investment returns within a certain period of time, whereby the original investment will be refunded, it maybe contravene Section 137 Financial Services Act 2013 (FSA). This investment activity is against the law and you are investing at your own risk. Please invest only with licensed financial institutions only. An easy way to identify and verify whether or not a company is licensed by Bank Negara Malaysia (the Bank), you can refer to the licensed institutions list on our website by following this URL http://www.bnm.gov.my/index.php?ch=relatedlink&pg=related_link&ac=269 If the company is NOT LISTED on our list on the website, it simply means that the company is NOT LICENSED NOR APPROVED by the Bank to offer any financial services or products. You may also cro