Wednesday, January 13, 2010

Nature of audit tests

Decision about the nature of audit test are related to the auditors choices about the type of evidence that they collect to support an opinion. There are three common type of audit procedures :

- Risks assesment procedures that are designed to help the auditor assess the risk of material maisstatement in an assertion, wether performed early in the audit engagement or in the response to new information. Recall that the auditor uses risk assessment procedures to obtain evidence about inherent risks and the risk of fraud.

- Test of Control that are designed to provide evidence about the operating effectiveness of various aspect of internal control. Tests of control provide evidence to support control risk assessment below the maximum.

- Substantive test that are designed to provide evidence about to fair presentation of management's assertions in the financial statements. Substantive test include :

1. Initial procedures that involve understanding the economic substance of the account balance or transaction being audited and agreeing on detailed information about an account to general ledger (such as comparing an accounts receivable subsdiary ledger to the general ledger)

2. Substantive analytic procedures that involve the use of comparisons to assess the fairness of an assertion. For example, the auditor might evaluate sales per square foot or retail space in testing the reasonableness of revenues.

3. Test of detail transactions that involve examining documentary support for transactions. For example, an auditor might inspect sales orders and a bill of landing behind a recorded sales invoice.

4. Test of details of balance that involved examining support for a general ledger balance. For example, the auditor might send confirmations to customers to obtain an evidence that they owe receivables.

5.  Test of detail accounting estimates that involve obtaining evidence in support of the client's estimations process and ensuring that the estimation process is applied consistently from period to period.

6. Test of details of disclosures that involve examining support for financial statement disclosures. For example, the auditor might read a loan contract to ascertain the maturity schedule and debt covenants for the loan

Substantive test provide the evidence that allows the auditor to achieve the desired detection risk and ensure that overall audit risk and ensure that overall audit risk is reduced to an appropriately low level.
Recall the risk assessment, for example. For assertion 1, the existence of inventory, the nature of auditor's evidence would include significant test of controls (testing of effectiveness of the client's perpetual inventory system) as well as some limited substantive test (direct observation of inventory). For assertion 2, the valuation of inventory, auditor would perform few test of controls because controls are not expected to be effective. However, the auditor would plan to obtain significant evidence by testing the pricing of inventory to underlying vendor's invoices (substantive test of balances). In addition, the auditor would obtain evidence about sales price after years-end to support a conclusion about the lower of cost of market objective (substantive test of an accounting estimate). 

66 comments:

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Very helpful... thanks :)

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Really helpful, clear explanation! thank you :)

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iacrecruit said...

Really helpful. I think audit test should be done by every firm. So that auditor will have smooth work.

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Now You Can Stop Your Break Up, Divorce or Lovers Rejection… Even If Your Situation Seems Hopeless! My husband said he no longer loved me at the end of January this year and i was hurt and heart broken i felt like my life was about to end and I almost committed suicide, I was emotionally down for a very long time. Thanks to a spell caster called Dr OSCAR DILAN, which I meet online, on one faithful day, as I was browsing through the internet and I came across a lot of testimonies about this particular spell caster. Some people testified that he brought their Ex lover back, some testified that he restores womb, cure cancer and other sickness, some testified that he can cast a spell to stop divorce and so on. I also come across one particular testimony and it was about a woman called Tracey Hilton, she testified about how he brought back her Ex lover in less than 2 days and at the end of her testimony she dropped Dr OSCAR DILAN mail address. After reading all these,I decided to give it a try and I contacted him via email and explained my problem to him. In just 48 hours, my husband came back to me and we solved our issues, we are even happier than before. Dr OSCAR DILAN is really a gifted man and I will not stop testifying about him because he is a wonderful man and so powerful... If you have any problem and you are looking for solution to solve all your problems. Great Dr OSCAR DILAN can also offer any types of help like Reuniting of marriage and relationship, Curing of all types of Diseases, Court Cases, Pregnancy Spell, Spiritual protection,winning of lottery and lot's more. you can contact him on Email: oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com .... YOU CAN USE ANY OF THE EMAILS....... YOU CAN ALSO ADD HIM UP ON WHATSAPP USING THIS MOBILE NUMBER:+2348077526136, if you have any problem contact him, I give you 100% guarantee that he will help you.

Anonymous said...

I am from united states of america, I want to testify of how i got cured of HIV, I got infected with HIV disease in 2018, visited several herbalists, spiritualists and pastors for cure but all to no avail, my world was gradually coming to an end until,i searched google and read about possible cures to get cured of hiv. i saw a post in a health forum about a herbal spell home,DR OSCAR DILAN HERBAL TEMPLE,A temple that cures all kinds of deadly diseases including HIV AIDS, ALS, MND, Epilepsy, Leukemia, Asthma, Cancer, Ghonorhea etc, at first i got shocked,but when i read the temple's name again i thought of giving them a try because i so much believe in achieving what you desire. when i contacted this herbal spell home via email,he prepared a herbal spell portion and sent it to me via courier service, when i received this herbal spell portion, he gave me step by step instructions on how to apply them, when i applied it as instructed, i was cured of this deadly disease within 7days, I am now HIV Negative (-) all thanks to Achievers temple . Contact this great herbal spell home, CONTACT HIM NOW: oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com .... YOU CAN USE ANY OF THE EMAILS....YOU CAN ALSO ADD HIM UP ON WHATSAPP USING THIS MOBILE NUMBER:+2348077526136

Anonymous said...

I am here to give my testimony about Dr OSCAR DILAN who helped me in my life, I want to inform the public how I was cured from (HERPES SIMPLEX VIRUS) by Dr OSCAR DILAN,I visited different hospital but they gave me list of drugs like Famvir, Zovirax, and Valtrex which is very expensive to treat the symptoms and never cured me. I was browsing through the Internet searching for remedy on HERPES and I saw comment of people talking about how Dr OSCAR DILAN cured them. when I contacted him he gave me hope and send a Herbal medicine to me that I took and it seriously worked for me, am a free person now without problem, my HERPES result came out NEGATIVE. I pray for you Dr.OSCAR DILAN am cured now and you can also get your self cured .... My friends if you really need my doctor help, you can reach him now: oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com .... YOU CAN USE ANY OF THE EMAILS... as his is a very reliable doctor to work with...YOU CAN ALSO ADD HIM UP ON WHATSAPP USING THIS MOBILE NUMBER:+2348077526136

Anonymous said...

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Anonymous said...

HOW I GOT MY LOAN FROM THIS GREAT COMPANY CALLED ELLIOT OLIVE LOAN COMPANY

Hello to All across the globe, I am Martha Loiussa, currently living in NEW YORK now, USA. I am a widow at the moment with 2 kids and I was stuck in a financial situation in April 2018 and I needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not fall prey to those hoodlums out there that call them self money lender they are all scam , all they want is your money and you well not hear from them again they have done it to me twice before I meet Mr ELLIOT OLIVE the most interesting part of it is that my loan was transfer to me within 74hours so I will advice you to contact Mr ELLIOT OLIVE if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… ( elliotoliveloanfirm@yahoo.com OR elliotoliveloanfirm@gmail.com OR elliotoliveloanfirm@hotmail.com ) No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Mr ELLIOT OLIVE today for your loan

They offer all kind of categories of loan they

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When it comes to financial crisis and loan then Mr ELLIOT OLIVE loan financial is the place to go please just tell him I Martha Loiussa direct you Good Luck.... HS EMAIL IS : elliotoliveloanfirm@yahoo.com OR elliotoliveloanfirm@gmail.com OR elliotoliveloanfirm@hotmail.com ..

Anonymous said...

Read Up My Story Today as my story is a very special and unique one as is not like the numerous advert you always see online and also I want to be 100% sincere and truthful to you that there can never be any other online spell caster that can help you bring back your EX BACK to you other than DR OSCAR DILAN as he alone is 100% effective,dynamic and very reliable as 99.9% of other spell casters are not for real and can never help you solve your problems at all instead they will complicate your present condition OK SO BE WISE AND ALSO BE WARNED AND CONTACT DR OSCAR DILAN TODAY... MY OWN LIFE STORY / EXPERIENCES IS BELOW:


My Name is Mark Kelvin, From USA. I wish to share my testimonies with the general public about what this man called Dr OSCAR DILAN has just done for me , this man has just brought back my lost Ex WIFE to me with his great spell, I was married to this woman called Sharon we were together for a long time and we loved our self’s but when I was unable to make her pregnant for me and also give her al she needs she left me and told me she can’t continue anymore then I was now looking for ways to get her back until a friend of mine told me about this man and gave his contact email: oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com .... YOU CAN USE ANY OF THE EMAILS TO CONTACT HIM as you won't believe this when I contacted this man on my problems he prepared this spell cast and bring my lost WIFE back, and after a month she became pregnant for me because he gave me some herbs to take also and when she went for a test and the result stated that she was pregnant am happy today am a FATHER of a baby girl, thank you once again the great DR OSCAR DILAN for what you have done for me, if you are out there passing through any of this problems listed below:

(1) If you want your ex back.
(2) if you always have bad dreams.
(3) You want to be promoted in your office.
(4) You want women/men to run after you.
(5) If you want a child/PREGNANCY SPELL.
(6) You want to be rich.
(7) You want to tie your husband/wife to be
yours forever.
(8) If you need financial assistance.
(9) How you been scammed and you want to recover you lost money.
(10)Stop Divorce
(11) CURE TO ALL KIND OF SICKNESS/DISEASES HERE
(12) Winning of lottery
(13) Cure To Hiv/Aids
(14) LOTTERY/LOTTO SPELL WINNING
(15) CURE TO HERPES AND ANY OTHER SEXUALLY TRANSMITTED DISEASES AT ALL...
(16) HAVE YOU BEEN SCAMMED BEFORE AND NEEDS TO RECOVER ALL THE DOLLARS/MONEY YOU LOST TO THESE FRAUDSTER ???.. CONTACT OSCAR DILAN AS HE HELPED MY FRIEND CALLED LEONARD CAPTAIN FROM USA TO RECOVER BACK THE SUM OF $300,000.00 DOLLARS HE LOST TO SCAMMERS ONLINE

Email: oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com .... YOU CAN USE ANY OF THE EMAILS TO CONTACT HIM ...... YOU CAN ALSO CALL / ADD HIM UP ON WHATSAPP USING THIS MOBILE NUMBER:+2348077526136

JENKINS said...

Be careful here. Nobody can help you here or even suggest how you can get financial help. Any answer of a loan lender to your question, you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for a Christian sister who referred me to a loan organization formed by some Christian Women Trust Fund. it is called Christian women Trust-funds Cooperative Organization (C.W.T.C.O) christainwomen.trustloanfirm@gmail.com They made my life a valuable one and gave it a meaning. When the sister gave me their contact, I contacted them. Then I requested for a loan with all the necessary evidence to prove that I actually needed a loan, they approved a loan of $50,000.00 USD in 48 hours after meeting up to their necessary requirements, my loan was deposited in my bank account without collateral. Though i was very nervous with the loan organization at first due to my previous bad experiences, especially when the issue of me settling the Registration charges came up, I hold on to my faith due to the fact that my relative referred me, got it cleared,and as God should have it, little did I know that my financial shortcomings has come to a final end. If not for that quick referral from a christian sister to this genuine source ,I would have regretted my total life,because at that point in time i just divorced the father of my son, and my son (Kennett) was faced with a life and death situation. I was faced with his hospital bills and i was also faced with foreclosure at my apartment. Details of this GOD-SENT organization won’t be disclose for now for fear of impersonation ( because it has been discovered that some persons are not really in need of financial help, but they just want to collect money from this genuine christian loan organization). And it is because of this reason they don,t give out loan anyhow. You must be able to convince them very well, and provide good proofs to show that you really need a loan before they can approve it for you. Their charge is very affordable and reliable compare to many out there,their interest rates is just 4%, from 1-10years repayment little documentation,and little credit check. As i have earlier said, for security reasons i can only provide their email address. Embrace this new initiative.Feel free to contact them via Email(christainwomen.trustloanfirm@gmail.com) as their loan officer/rep sir Kerron Cruickshank will attend to you and you will be free from scams and financial burdens

Garrett Wilson said...

Welcome to Garrett Wilson Financial Centre, are you in any financial problem and you need money to start your own business? do you need a loan for the settlement of yours debt or pay off your bills or start a profitable business? do you have a low credit score and are finding it difficult to obtain capital/loan from domestic banks or other financial institutes? do you need a loan or money for personal reason? Garrett Wilson financial centre offer loan at a low interest rate of 2% and with no credit check, we offer Personal loans, debt consolidation loans, venture capital, business loans, education loans, home loans or loans for any reason, we offer any amount of loan you would need for your own reason. contact us via: garrettwilsonfinancialcentre@aol.com

BORROWER INFORMATION

1) Full Names:
2) Country:
3) address:
4) State:
5) Gender:
6) Marital Status:
7) Occupation:
8) Phone Number:
9) Monthly income:
10) Loan Amount Needed:
11) Loan Duration:
12) Purpose of Loan:

contact us via (garrettwilsonfinancialcentre@aol.com)
I will be looking forward to hear from you so as to proceed

Shawn Owen said...

I am Shawn Owen, a private money lender. I give out loans with an interest rate of 2% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:(shawnowen0147@gmail.com)

Attention!!!

Do you have a bad credit?

Do you need money to pay bills?

Do you need to start up a new business?

Do you have unfinished project at hand due to bad financing?

Do you need money to invest in some area of specialization which will profit you?

We offer the following loans below,

personal loans[secure and unsecured]

business loans[secure and unsecured]

combination loans

students loans

consolidation loans and so many others.


1. Full Names:……………………….

2. Contact Address:…………………..

3. Loan Amount Needed:………………..

4. Duration of the Loan……………….

5. Direct Telephone Number:……………..

6. Monthly Income:……………..

Email (shawnowen0147@gmail.com)

Best Regards,

Mr Shawn Owen.

shawnowen0147@gmail.com

Dr. Everett Cooper said...

Hello Everyone,

Welcome to the future! Financing made easy with Dr. Everett Cooper.

Have you been looking for financing options for your new business plans, Are you seeking for a loan to expand your existing business, Do you find yourself in a bit of trouble with unpaid bills and you don’t know which way to go or where to turn to? Have you been turned down by your banks? Dr. Everett Cooper. says YES when your banks say NO. Contact us as we offer financial services at a low and affordable interest rate of 2% for long and short term loans. Interested applicants should contact us for further loan acquisition procedures.

Our services include the following:

*Refinancing Loans
* Car Loan
*Truck Loans
* Home Loan
* Mortgage Loan
* Debt Consolidation Loan
* Business Loan [secure and unsecured]
* Personal Loan [secure and unsecured]
* Students Loan and so many others.

For more info;
Contact us via Email: (everettcooperloans@gmail.com) Phone +1(347)-937-7455

morris said...

Do you need a quick long or short term loan with a relatively low interest
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morris said...

Are You Financially down? Grab this life time financial loan offer and give
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a maximum of 60 years at 3.0%. Contact us with the information below so
that we can proceed.. Contact us today at:
1. Full Names:______
2. Contact Address:__________
3.Country __________
4. Loan Amount Needed:_________
5. Duration of the loan: _________
6. Direct telephone number:________
7. Purpose of the Loan:________
8.Age.__________________
9.Sex.__________________
10.Occupation.___________
11.Monthly Income._________

Regards,

George Williams
CONTACT US WITH THIS EMAIL: gwilliams18443@gmail.com



Shawn Owen said...

We offer entrepreneurs the opportunity to easily access loans in a fast, transparent and efficient environment. Our expertise and international standards assure our customers quality services and deliveries, our main service is the provision of international financing for companies and organizations for important land development projects in the fields of leisure, tourism, entertainment and construction, we also offer individual loans, personal loans, debt repayment loans.


Loan overview:


The loans currently range from 2 thousand dollars to 100 million dollars, for the maximum maturity is 20 years *

No audited financial statements required *

Flexible documentation requirements *

Long-standing customers with impeccable repayment records qualify for subsequent interest rate discounts and even faster loan processing *


Interested persons are required to contact us by email: shawnowen0147@gmail.com


Anticipate for your prompt reply.


Sincerely

Shawn Owen INC.

Shawn Owen said...

We offer entrepreneurs the opportunity to easily access loans in a fast, transparent and efficient environment. Our expertise and international standards assure our customers quality services and deliveries, our main service is the provision of international financing for companies and organizations for important land development projects in the fields of leisure, tourism, entertainment and construction, we also offer individual loans, personal loans, debt repayment loans.


Loan overview:


The loans currently range from 2 thousand dollars to 100 million dollars, for the maximum maturity is 20 years *

No audited financial statements required *

Flexible documentation requirements *

Long-standing customers with impeccable repayment records qualify for subsequent interest rate discounts and even faster loan processing *


Interested persons are required to contact us by email: shawnowen0147@gmail.com


Anticipate for your prompt reply.


Sincerely

Shawn Owen INC.

Anonymous said...

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We are financial consultants providing reliable loans to individuals and funding for business, home and projects start up. Are you tired of seeking loans or are you in any financial mess. Do you have a low credit score, and you will find it difficult to get loans from banks and other financial institutions? then worry no more for we are the solution to your financial misfortune. we offer all types of loan ranging from $3,000.00 to $600,000,000.00USD with a low interest rate of 2% and loan duration of 1 to 33 years to pay back the loan secure and unsecured. Are you losing sleep at nights worrying how to get a Legit Loan Lender? Contact us via Call/Text +1(209)643-7283 Email: brianloancapital@gmail.com

Do you have a bad credit? Do you need money to pay bills? Do you need loan to buy, refinance or renovate your home? Is it necessary to start a new business? Do you have an unfinished project due to poor funding? Do you need money to invest in any specialty that will benefit you? BRIAN CAPITAL LOANS aims is to provide excellent professional financial services which include the followings
* Personal loans * Business loans
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We are certified and out here to help the less financial privileges get the loan they need to get back on their feet no matter your credit score. you can say goodbye to all your financial crisis and difficulties. There is more to gain by getting a loan from this company, your victory is 100% assured and guarantee Thanks.

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John Berry said...

I have been a victim of scam but when i saw a post regarding to a loan on how a woman with three kids got a loan from John Berry Loan Offer I was overwhelmed. I just got my loan approved 18th november 2019 and I received my loan 19th November 2019. If you are in any Financial crisis feel free to contact this private lender they give loan at 2% interest rate all over the world . Get your legitimate loan at John Berry Loan Offer and stop wasting your time with fake lenders. Contact them now via email: johnberryloanoffer280@gmail.com Thanks you John Berry Loan Offer I am grateful

loan offer said...

My name is Mrs Aisha Mohamed, am a Citizen Of Qatar.Have you been looking for a loan?Do you need an urgent personal loan or business loan?contact Dr James Eric Finance Home he help me with a loan of $42,000 some days ago after been scammed of $2,800 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $42,000.Feel free to contact the company for a genuine financial service. Email:(financialserviceoffer876@gmail.com) call/whats-App Contact Number +918929509036 financialserviceoffer.blogspot.com

mcman said...



APPLY FOR AN URGENT LOAN TODAY

Welcome to the future! Financing made easy with Mr Mcman ken.

Have you been looking for financing options for your new business plans,
Are you seeking for a loan to expand your existing business, Do you find
yourself in a bit of trouble with unpaid bills and you don’t know which way
to go or where to turn to? Have you been turned down by your banks? We
offer loans ranging from $5,000 to $100 million. Our loans are well insured
for maximum security, and it's our priority. Contact us as we offer
financial services at a low and affordable interest rate of 2% for long and
short term loans. Interested applicants should contact us for further loan
acquisition procedures.

Our services include the following:

* Business Loan
* Personal Loan
* Refinancing Loans
* project loan
* Car Loan
* Truck Loans
* Home Loan
* Mortgage Loan
* Debt Consolidation Loan
* Students Loan and so many others.

For more info;
Contact us via Email:greenergliffloancompany@gmail.com
Mr. Mcman Ken.

Ben said...

Wow is good to be back with my ex again, thank you Dr Ekpen for the help, I just want to let you know that is reading this post in case you are having issues with your lover and is leading to divorce and you don’t want the divorce, Dr Ekpen is the answer to your problem. Or you are already divorce and you still want him/her contact Dr Ekpen the spell caster now on (ekpentemple@gmail.com) and you will be clad you did

jeffrey cage said...


Cool way to have financial freedom!!! Are you tired of living a poor life, here is the opportunity you have been waiting for. Get the new ATM BLANK CARD that can hack any ATM MACHINE and withdraw money from any account. You do not require anybody’s account number before you can use it. Although you and I knows that its illegal,there is no risk using it. It has SPECIAL FEATURES, that makes the machine unable to detect this very card,and its transaction can’t be traced .You can use it anywhere in the world. With this card,you can withdraw nothing less than $4,500 a day. So to get the card,reach the hackers via email address : besthackersworld58@gmail.com or whatsapp him on +1(323)-723-2568

Unknown said...

My name is Mrs Nadia Albert from Russia, And i am a happy woman today through the help of a Loan lender, Mr Russ Harry. I will refer any person that is looking for loan to this Loan firm. He gave  happiness to me and my family, i was in need of a loan of $500,000.00 to start my life all over as i am a single mother with 2 kids I met this honest and GOD fearing man loan lender that help me with a loan of $500,000.00 US Dollar, at a low Rate. He is a God fearing man, if you are in need of loan and you will pay back the loan please contact him Via E-mail-Elegantloanfirm@hotmail.com /Whatsapp number+393511617486

BENITO FAUSTO said...


I want to share my testimony on how i got the blank ATM card. I was so wrecked that my company fired me simply because i did not obliged to their terms, so they hacked into my system and phone and makes it so difficult to get any other job, i did all i could but things kept getting worse by the day that i couldn’t afford my 3 kids fees and pay my bills. I owe so many people trying to borrow money to survive because my old company couldn’t allow me get another job and they did all they could to destroy my life just for declining to be among their evil deeds. haven’t given up i kept searching for job online when i came across the testimony of a lady called Judith regarding how she got the blank ATM card. Due to my present state, i had to get in touch with Hacker called OSCAR WHITE of oscarwhitehackersworld@gmail.com and he told me the procedures and along with the terms which i agreed to abide and i was told that the Blank card will be deliver to me without any further delay and i hold on to his words and to my greatest surprise, i received an ATM card worth $4.5 million USD , All Thanks to OSCAR WHITE , if you are facing any financial problem contact him asap email address is oscarwhitehackersworld@gmail.com or whats-app +1(323)-362-2310

Unknown said...

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Unknown said...

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DEBY FINANCING LOANS COMPANY said...


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LOAN APPLICATION FORM
1) Full Name:
2) Gender:
3) Loan Amount Needed:.
4) Loan Duration:
5) Country:
6) Home Address:
7) Mobile Number:
8) Monthly Income:
9) Occupation:

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debyfinancingloans@gmail.com
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asda services said...

Blank ATM Cards
We have specially programmed ATM cards for sale.
These ATM cards can be used to withdraw cash at any ATM machines or swipe & stores, outlets and any point of sales.
We sell these cards to all our customers and interested buyers all over the world, the cards have a withdrawal limit every week.
We sell these cards to all our customers and interested buyers worldwide. Some cards have a daily withdrawal limit of $5,000 in ATM and up to $100,000 spending limit depending on the usage.
We also offer the following services:
1)WESTERN UNION TRANSFERS/MONEY GRAM TRANSFER
2)BANKS LOGINS
3)BANKS TRANSFERS
4)CRYPTOCURRENCY MINING
5)BUYING OF GIFT CARDS
6)LOADING OF ACCOUNTS
7)WALMART TRANSFERS
8)BITCOIN INVESTMENTS
9)REMOVING OF NAME FROM DEBIT RECORD AND CRIMINAL RECORD
10)BANK HACKING

Becoming wealthy and living the lifestyle of the rich and famous is the dream of many people. And whilst most people go to work or seek other ethical methods of making money online.
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PROGRAMMED blank ATM card will be delivered to you anywhere in the world.
Contact Person: Prof Alexander Castro
E-Mail: atmservices44@yahoo.com
Email: hacklords.investors@gmail.com

Unknown said...

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