Malaysia Prudential Contact- Welcome To Email Any Questions About Insurance & Financial Service

Malaysia & Singapore No.1 Best Service Agent Profile- 
MDRT- Mr Kee Family

Mr Kee Boon Siang Husband & Wife

Prudential Manager- BS KEE MANAGEMENT SERVICES
012-3922215（HP） /03-77226260（COMPANY）/03-77226257（FAX）
keebonsiang@prupartner.com.my
Selangor, KL, JB, Penang, JB, Singapore

All Financial Planning & Insurance Service:-
a) Life Insurance Plan
b) 36 Critical illnesses & TPD Income plan
c) Medical Plan 

d) Lady illnesses-Prulady
e) Pregnant Plan
e) Children Education Plan
f) Retirement Plan
g) Unit Trust
h) Partnership/Keyman insurance
i) Will & Trust Planning
j) TakafulPlan

k) MRTA & MLTA

l) Other Financial Related Service

About Kee Boon Siang Husband & Wife

• Mr Kee was in Malaysia prudential insurance industry above 10 years of experience in the financial & insurance advisers, he and his wife professional attitude also well received by Whole Malaysia and Singapore with their trust of customers, have entered into MDRT (Million Dollar Round Table) In year 1992.
• He is the only one who didn't force his friend to buy this insurance, and if you have any question about your policy or other issue related to insurance medical card, he will give you very convenient and practical suggestion for your own.
• Most of the people will find them to sign up the policy they giving the people professional and security sense when they advise to their customer. When comes to medical claim or any issue of the policy, he will also help customer and give his best service. 

(The above i wrote is all true and honest, although i have just joined the prudential not for long time, but i can guarantee with his lead, will help more people really understand the insurance and know how to buy from it)


If have any questions or buy insurance with your budget, you can SMS or send personal message through email your general detail to Mr Koh (0167646260) or Mr Kee (0123922215), thanks for viewing our webpage, hope can fulfill your need and answer your question.  

What Is The Benefit of PRUmy child?

COMPLETE PROTECTION for every stage in your child’s life… even BEFORE BIRTH

What does PRUlady standalone cover?

You can take up PRUlady standalone if you are between 16 - 50 years old age next birthday. 

Plan	1	2	3	4
Lifetime Limit	RM25,000	RM50,000	RM75,0000	RM100,000
Female Illness Benefit 1) Female cancer - cancer of breast, cervix uteri, fallopian tube, ovary, uterus & vagina/vulva	100%
2) Systematic Lupus Erythematosus with Lupus Nephritis	100%
3) Rheumatoid Arthritis with Complication	100%
4) Facial Reconstruction Surgery due to Accident	Reimburse up to 100%
5) Skin Grafting due to Burns	Reimburse up to 100%
6) Skin Grafting due to Cancer	Reimburse up to 100%
7) Carcinoma-in-situ of Breast or Cervix Uteri	30%
8) Pregnancy Complication - Disseminated intravascular coagulation - Extopic pregnancy - Hydatidiform mole - Death of foetus (after 195 days of  pregnancy) - Death of child (within 30 days after birth)	30%
9) Infant Congenital Illnesses (survive more than 30 days after birth and and diagnosed within 2 years after delivery) - Ventricular septal defect - Atrial septal defect - Down's syndrome - Spina bifida - Tetralogy of fallot - Transposition of the great vessels	30%
10) Life-stage Benefits - Marriage benefit - Childbirth benefit - Retrenchment benefit - Divorce benefit - Benefit of spouse's death	3% per event subject to 2 events per life
11) Death Benefit/PRUdisability plus	100%
12) Moneyback Benefit at Expiry Date	Refund total premiums paid less any claims made

 * Each claim reduces the lifetime limit. When the lifetime limit is exhausted, PRUlady standalone ceases.

Insurance Basic Plans-What Is Endowment & Investment-Linked Policy?

Endowment policy An endowment policy combines a savings component with protection coverage. Endowment policies may be either participating or non-participating. Non-participating policies do not participate in the life insurance fund’s profits but all insurance benefits are fully guaranteed. Participating policies have a portion of insurance benefits guaranteed, however the total amount of benefits at maturity is not guaranteed because it depends on the insurance company’s life insurance fund’s performance. Investment-linked policy An investment-linked policy combines the elements of investment and protection based on your requirement as the policy owner. It offers flexibility as you are able to increase or top-up your monthly premium contribution as your income improves. You may also be more aggressive with your investment. An investment-linked policy will allow you to choose the types of funds your money will be invested in. However, like any other investment, there are risks involved and there is no guarantee on the returns, which may be higher or lower than the amount projected.

3 Important Notes To Review Prudential Panel Hospital List (From Prudential Malaysia Website)

1) Deposit Hospitals may collect DEPOSIT upon admission in addition to the Letter of Undertaking from PRUDENTIAL to cover the  Excess Fees and the non-medical items charge that are not covered under the policy terms & conditions. The DEPOSIT or any balance will be refunded at the discretion of the hospitals after deduction of the excess and non-medical charges. The DEPOSIT varies between hospitals and is subject to change without notification. 2) Panel Hospitals PRUDENTIAL reserves the right to change/update the list of panel hospitals without prior notification. For the latest update on our appointed Panel Hospitals, please refer to our website www.prudential.com.my. The appointment of all panel hospitals is subject to a set of stringent criteria established by PAMB. 3) Non-Panel Hospitals Charges / fees to be paid by customer upon discharge. Customer to submit claim form to Prudential for reimbursement subject to terms and conditions stated in the policy contract.

HOSPITAL NAME ADDRESS TELEPHONE FAX DEPOSITS KEDAH Kedah Medical Centre Pumpong, 05250 Alor Setar Kedah 04-733 2869 04-733 2869 RM300.00 Metro Specialist Hospital No.1, Lorong Metro  08000, Sungai Petani Kedah  04-423 8888  04-425 8888 RM500.00 (non- surgical)  RM1000.00 (surgical) Pantai Hospital Sungai Petani 1, Persiaran Cempaka Bandar Aman Jaya 08000, Sungai Petani Kedah 04-442 8888 04-442 8889 RM400.00 (effective 1st Jan 2011)  Putra Medical Centre  888, Jalan Sekerat Off Jalan Putra 05100 Alor Setar Kedah   04-734 2888 04-734 8882  RM200.00 PULAU PINANG  Bagan Specialist Centre  Jalan Bagan 1 13400, Butterworth 04-332 2800 04-331 2806 RM200.00 - RM500.00  Gleneagles Medical Centre, Penang  1, Jalan Pangkor 10050 Pulau Pinang 04-227 6111 04-226 2994 RM300.00 Hope Children's Hospital (Gottlieb)  25B, C & D, Jalan Gottlieb 10350, Pulau Pinang  04-228 6557  04-228 6559 RM 300.00 Hope Children's Hospital (Sg Ara) 66 & 68 Jalan Dato Ismail Hashim Sg Ara, 11900 Bayan Lepas Pulau Pinang   04-644 7557 04-646 1559 RM 300.00 Hospital Lam Wah Ee  141, Jalan Tan Sri Teh Ewe Lim 11600 Pulau Pinang 04-657 1888  04-657 0940 RM300.00 Island Hospital  308, Macalister Road 10450, Pulau Pinang  04-228 8222 04-228 5216  RM500.00 KPJ Penang Specialist Hospital  570 Jalan Perda Utama Bandar Perda, Seberang Jaya Pulau Pinang  04-548 6688 04-548 6700 RM300.00 Mount Miriam Cancer Hospital  23, Jalan Bulan, Fettes Park 11200 Tanjung Bungah Pulau Pinang  04-890 7044 04-890 1583 RM500.00  Pantai Hospital Penang  82, Jalan Tengah, Bayan Baru 11900 Bayan Lepas Pulau Pinang  04-643 3888 04-6432 8888 RM500.00  Penang Adventist Hospital  465, Jalan Burmah 10350 Pulau Pinang  04-222 7200 04-227 8512 RM300.00  PERAK  Columbia Asia Hospital, Taiping  No. 5, Jalan Perwira 34000 Taiping Perak  05-820 8888 05-820 8999 RM300.00  Taiping Medical Centre 45-49 Jalan Medan Taiping 2 Medan Taiping 34000 Taiping Perak 05-807 1049 05-806 3713 RM200.00  Hospital Fatimah  1, Lebuh Chew Peng Loon Off Jalan Dato' Lau Pak Khuan Ipoh Garden, 31400 Ipoh Perak  05-545 5777 05-549 9237 -  KPJ Ipoh Specialist Hospital  26, Jalan Raja Dihilir 30350 Ipoh Perak  05-241 8777 05-254 1388 RM200.00  Pantai Hospital Ipoh  126, Jalan Tambun 31400 Ipoh Perak  05-548 4333 05-545 8168 RM50.00  KUALA LUMPUR/SELANGOR  Assunta Hospital  Jalan Templer 46990 Petaling Jaya Selangor  03-7680 7000 03-7781 4933 RM200.00  Columbia Asia Hospital, Puchong  No.1 Lebuh Puteri Bandar Puteri Puchong 47100 Puchong Selangor  03-8064 8688 03-8064 8788 RM300.00  Gleneagles Kuala Lumpur *formerly known as  Gleneagles Intan Medical Centre  286, Jalan Ampang 50450 Kuala Lumpur  03-4141 3000 03-4255 2711 RM300.00  Institute Jantung Negara  145, Jalan Tun Razak 50400 Kuala Lumpur  03-2617 8200 03-2698 2824 -  KPJ Ampang Puteri Specialist Hospital  1, Jalan Mamanda 9 Taman Dato Ahmad Razali 68000 Ampang Selangor  03-4270 2500 03-4270 2443 RM200.00  KPJ Damansara Specialist Hospital  119, Jalan SS 20/10 Damansara Utama 47400 Petaling Jaya Selangor  03-7722 2692 03-7722 1534 RM200.00  KPJ Kajang Specialist Hospital  Batu 14, Jalan Cheras 43000 Kajang Selangor  03-8769 2999 03-8769 2808 RM200.00  (no co-insurance) or RM500.00 (with co-insurance)  KPJ Tawakal Specialist Hospital  No.1, Jalan Pahang Barat 53000 Kuala Lumpur  03-4026 7777 03-4021 0635 RM200.00  Kuala Lumpur Sports Medicine Centre  7th Floor, Wisma Perintis 47, Jalan Dungun Damansara Heights 50490 Kuala Lumpur  03-2096 1033 03-2096 1500 RM300.00  Pantai Hospital Ampang  Jalan Perubatan 1 Pandan Indah 55100 Kuala Lumpur  03-4289 2828 03-4289 2829 RM300.00  Pantai Hospital Cheras  1, Jalan 1/96A Taman Cheras Makmur 56100 Kuala Lumpur  03-9132 2022 03-9132 0732 -  Pantai Hospital Klang  Lot 5921 Persiaran Raja Muda Musa 41200 Klang  03-3372 5222 03-3374 2010 -  Pantai Hospital  Kuala Lumpur  8, Jalan Bukit Pantai 59100 Kuala Lumpur  03-2296 0888 03-2282 1557 RM300.00 (effective 1st Jan 2011)  Sentosa Medical Centre  36, Jalan Chemur Kompleks Damai 50400 Kuala Lumpur  03-4043 7166 03-4043 7761 RM200.00  Sime Darby Medical  Centre Subang Jaya  1, Jalan SS12/1A 47500 Subang Jaya Selangor  03-5634 1212 03-5639 1646 RM500.00-RM2500.00 (non-surgical) or RM500.00-RM5000.00 (surgical)  Sime Darby Specialist  Centre Megah  79 Jalan SS 23/15 Taman SEA 47400 Petaling Jaya Selangor  03-7803 1212 03-7803 8090 -  Sri Kota Medical Centre  Jalan Mohet 41000 Klang Selangor  03-3373 3636 03-3376 3888 RM200.00  Sunway Medical Centre  5, Jalan Lagoon Selatan Bandar Sunway 46150 Petaling Jaya Selangor  03-7491 9191 03-7491 8181 RM300.00  Tropicana Medical Centre  No.11, Jalan Teknologi Taman Sains Selangor 1 PJU 5, Kota Damansara 47810 Petaling Jaya Selangor  03-6287 1111 03-6287 1212 RM500.00  Tung Shin Hospital  102, Jalan Pudu 55100 Kuala Lumpur  03-2037 2288 03-2070 0345 RM500.00  Beacon International Specialist Centre (New Panel Hospital  effective 15 Dec 2010) *formally known as Wijaya Int. Med. Ctr  No.1, Jalan 215, Section 51 Off Jalan Templer 46050 Petaling Jaya Selangor  03-7620 7979 03-7620 7929 RM300.00  International Specialist Eye Centre (New Panel Hospital effective 1 Jan 2011) Level 7 & 8 Centrepoint South The Boulevard, Mid Valley City Lingkaran Syed Putra 59200 Kuala Lumpur  03-2284 8989 03-2284 4330 -  NEGERI SEMBILAN  Columbia Asia Medical Centre, Seremban  292, Jalan Haruan 2 Oakland Commercial Centre 70300 Seremban Negeri Sembilan  06-601 1988 06-601 1848 RM500.00  Mawar Renal Medical Centre  No. 71, Jalan Rasah 70300 Seremban Negeri Sembilan  06-764 7048 06-764 7092 RM300.00  N.S. Chinese Maternity Hospital  Jalan Tun Dr. Ismail 70200 Seremban Negeri Sembilan  06-762 2104 06-763 0407 RM300.00  NCI Cancer Hospital  PT 13747, Jalan BBN 2/1 71800 Nilai Negeri Sembilan  06-850 0999 06-850 0733 -  Seremban Specialist  Hospital  Lot 6219 & 6220 Jalan Toman 1 Kemayan Square  70200 Seremban Negeri Sembilan 06-767 7800 06-763 3728 RM200.00  Senawang Specialist Hospital  234-243 Jalan Lavendar Heights 2  Lavendar Business Square 70450 Senawang Negeri Sembilan 06-677 1858 06-677 1860 RM300.00  MELAKA Mahkota Medical Centre  3, Mahkota Melaka Jalan Merdeka 75000 Melaka  06-281 3333 06-282 5177 RM350.00  Putra Specialist Hospital (Melaka) (New Panel Hospital  effective 1 Jan 2011)  169, Jalan Bendahara 75100 Melaka  06-283 5888 06-281 0518 RM300.00  Pantai Hospital Ayer Keroh  2418-1, KM 8 Lebuh Ayer Keroh 75450 Melaka  06-231 9999 06-231 3299 RM250.00  JOHOR  Kempas Medical Centre  Lot PTD 7522 Jalan Kempas Baru 81200 Johor Bahru Johor  07-236 8999 07-236 8222 -  Kluang Utama Specialist  Hospital  1, Susur 1 Jalan Besar 86000 Kluang Johor  07-771 8999 07-772 8999 RM300.00  KPJ Johor Specialist  Hospital 39B, Jalan Abdul Samad 80100 Johor Bahru Johor  07-225 3000 07-227 4119 RM400.00  Medical Specialist Centre  Wisma Maria, Jalan Ngee Heng 80100 Johor Bahru Johor  07-224 3888 07-223 6785 -  Pantai Hospital Batu Pahat  9S, Jalan Bintang Satu Taman Koperasi Bahagia 83000 Batu Pahat Johor  07-433 8811 07-433 1881 RM250.00  Puteri Specialist Hospital  33, Jalan Tun Abdul Razak (Susur 5) 80000 Johor Bahru Johor  07-223 3377 07-223 8833 RM400.00  Putra Specialist Hospital (Batu Pahat)  1, Jalan Peserai 83000 Batu Pahat Johor  07-413 3333 07-413 3346 RM300.00  Regency Specialist  Hospital  No.1, Jalan Suria Bandar Seri Alam 81750 Masai Johor  07-381 7700 07-388 7666 RM200.00 (no co-insurance) or RM500.00 (with co-insurance)  KELANTAN  Hospital Universiti Sains Malaysia  Usains Tech Services S/B Kampus Kesihatan 16150 Kubang Kerian Kota Bahru Kelantan  09-766 3274 09-765 0892 -  Kota Bahru Medical  Centre  PT 179-184 Jalan Sultan Yahya Petra Lundang, 15150 Kota Bahru Kelantan 09-743 3399 09-747 8271 -  Perdana Specialist  Hospital  Lot PT 37 & 600 Seksyen 14, Jalan Bayam 15200 Kota Bahru Kelantan  09-745 8000 09-747 2877 RM250.00  PAHANG  Kuantan Medical Centre  1, Jalan Tun Ismail 9 25000 Kuantan Pahang  09-514 2828 09-516 3753 RM300 effective 1 Aug 2011 Kuantan Specialist Centre 51 Jalan Akor Akar Taman Kuantan 25250 Kuantan Pahang 09-567 8588 09-567 8098 RM250.00 - RM1000.00 SARAWAK   Columbia Asia Hospital Bintulu (New Panel Hospital effective 15 Dec 2010)  Lot 3582, Block 26 Jalan Tan Sri Ikhwan Kemena Land District Tanjung Kidurong 97000 Bintulu Sarawak  086-251 888 086-252 888 RM500.00  Columbia Asia Medical  Centre, Miri  Lot 1035-1039 Jalan Bulan Sabit, CDT 155 98009 Miri Sarawak  085-437 755 085-425 677 RM500.00  Kuching Specialist Hospital  Lot 10420, Blk 11 Tabuan Stutong Ctr Jalan Setia Raja 93350 Kuching Sarawak  082-365 777 082-364 666 RM300.00  Normah Medical & Specialist Centre  Lot 937, Sek 30, KTLD Jalan Tun Abdul Rahman Petra Jaya 93050 Kuching Sarawak  082-440 055 082-442 600 RM500.00  Rejang Medical Centre  29, Jalan Pedada 96008 Sibu Sarawak  084-330 733 084-327 342 -  Sibu Specialist Medical Centre  52A-F, Brooke Drive 96000 Sibu Sarawak  084-218 800 084-219 900 -   Timberland Medical Centre  Lot 5164-5165, Blk 16, KCLD Taman Timberland, Rock Road 93250 Kuching Sarawak  082-234 466 082-244 273 RM300.00  SABAH  Damai Specialist Hospital  Jalan Damai, Off Mile 3 Jalan Tuaran 88300 Kota Kinabalu Sabah  088-222 922 088-243 540 -  SMC Healthcare Sdn Bhd *formally known as Sabah Medical Centre  Lorong Bersatu Off Jalan Damai Luyang 88300 Kota Kinabalu Sabah  088-211 333 088-272 622 RM1000.00

5 Easy Steps For Insurance Claim

5 Easy Steps For Insurance Claim (With Picture)
Example For Prudential Claim:-

Prudential Claim Flow Chart

12 Tips Teach You How To Buy Insurance Medical Card Wisely

1 GUARANTEE RENEWAL WITH LIFE-TIME LIMIT vs YEARLY RENEWAL

• Some insurance policies must be updated every year! However, when you buy, you must decide is to ensure that updates to a certain year! Otherwise, if you suffer from any of 36 kinds of disease or your medical expenses have exceeded ANNUAL LIMIT, then you can not update your medical insurance policy. Remember! Therefore, the time of purchase, select the update to the medical card, the year the longer the better! (If want to know how to buy guarantee renewal insurance, can email kee1977@yahoo.com)

2. CASHLESS vs PAY-FIRST-CLAIM-LATER/REIMBURSEMENT

• You can view the policy, if you have any unfortunately suffer from any disease, medical expenses you must pay after CLAIM, or directly by the hospitals and insurance companies to contact. Remember, CASHLESS are better than REIMBURSEMENT

3. INITIAL WAITING PERIOD

• You must know the diseases WAITING PERIOD period is long, most of the 60 days, 180 days, but some are 30 days.
• INITIAL WAITING PERIOD shorter, the faster you get insurance policies

4. CLAIM AMOUNT BASED ON ANNUAL LIMIT PER DISABILITY OR OVERALL ANNUAL LIMIT

• So that the customer confusion that often STATEMENT. CLAIM BASED ON PER DISABILITY each disease is the highest compensation. CLAIM BASED ON ANNUAL LIMIT is based on the annual compensation for the highest reward (no matter what the disease)
• Example, if a patient needs heart surgery, is needed more than about 50,000 ringgit. If it is based on the policy only BASED ON ANNUALLIMIT 50,000 per annum, then the rest of the medical expenses, patients need their own pay. But if it is BASED ON PER DISABILITY, then, the patient can be obtained under the policy of the LIMIT to compensation.

5. AS CHARGED OR SET AMOUNT BASED ON SURGICAL SCHEDULE

• AS CHARGED is that according to medical expenses, and must comply ANNUAL LIMIT PER DISABILITY LIMIT
• SET AMOUNT mean how much reward is the highest pay, for example, if an organ transplant, the insurance company only paid 10,000 for written contract.
• It is best to choose the policy more AS CHARGED, because medical costs rising, many are not sure will happen.

6. PRE-EXISTING CONDITIONS   

• Some insurance companies have set up these conditions, if customers have any diseases, then these situations the insurance company will need more time to determine whether the underwriting.
• Some companies will take 6-12 months or even longer, and even some insurance companies do not cover your pre-existing conditions.
  

7. SPECIFIC DISEASES DURING FIRST POLICY YEAR

• When you want to buy any medicine card, you must know what the disease is no longer insured in the first year inside.

8. PANEL HOSPITAL vs NON-PANEL HOSPITAL

• Some cards have their own medical doctors and hospitals, when you have times of emergency, do not need to deposit. My conclusion is, and your agent to get the latest PANEL HOSPITAL list, and, with the most PANEL HOSPITAL insurance companies is more better.

9. GRACE PERIOD FOR PAYING RENEWAL PREMIUM

• Some insurance companies give 30-day accommodation period, in other words, if the policy within 30 days after the expiration of any search reward, the insurance company is acceptable!
• But some insurance companies only 14 days, then the customer must be paid within 14 days PREMIUM, or else the insurance company will not made any compensation.

10. MANAGED-CARE ORGANISATIONS (MCO) vs INSURANCES COMPANIES

• MCO is a company providing medical card, not insurance companies, not subject to state banking regulation. For example, MCA medicine cards, SOS medical card (which has closed down) like the company. My advice is best not to buy such companies, although more expensive, but unstable and cannot claim sometime due to certain situation.

11. UPGRADE / CHANGE POLICY CLAUSE

• Some insurance companies accept medical cards to improve your LIMIT, but some do not want to give you a raise.

12. COST SHARING / CO-INSURANCE

• Now, most companies are based in such a way to sell medical card, insurance customer must bear 10% of medical expenses, but some insurance company such as prudential will return it back the medical expenses and deposit with cheque within 2 weeks times.

Prudential 5 years Saving Plan-Good News For Succesful Saving Tips.

(Picture Extract From Other PrudentialAgent)
 

Successful Investing in Money Tips

 You Want Get 3%-5% On Bank Fixed Deposit Interest?

Or


You Want Get More Than 100% On Prudential Saving Plan Interest?

3 FREE BENIFIT Of Pru-Saving Promotion (Already Extend)

1.) We Give FREE Interest Until 30 Years

In the end what you get the Money

More THAN Bank Fixed Deposit

2.) FREE Additional

RM10000 Accident Death Paid

（*如果在这期间患不幸意外死亡，

我们还另外设有RM10K额外赔偿金）

3.) FREE Insurance
Paid If Got 36 Critical Illness

（*如果在这期间患36种疾病，

这项计划你不须给钱，而且免费享有它的福利）

The Information Provided with Terms & Condition Apply

以上优惠资讯提供将以个人的状况和公司条例有限

If Got Interest On this Promotion, Can directly Call Me

以上的优惠如有兴趣，可直接打电话给我

+6023922215

or email me 

kee1977@yahoo.com

MRKEE

 

Malaysia 1st Pregnancy Insurance for Unborn Child & Pregnant Mother (As low as RM150*) 大马保诚唯一提供给孕妇的怀孕保险(只需RM150*)

When woman pregnant，you have to take care their body carefully， and the healthy concern is very important to mother and unborn baby

 The 1st Malaysia Medical Card Coverage for unborn baby

Buy a medical card for them before they born, even if there are any accidents & diseases, the medical card still can cover for your child to provide immediate protection without any worry.

Pregnancy Care Benefit and Child Care Benefit In Crucial Time

When mother is pregnant, this insurance policies can be based on sum protection to give full coverage compensation and helpful if got anything happen. The unborn children can also benefit under the insurance to health or illness in the case of fully protected. 

Afterbirth Become Child Education Fund+ 1000K Medical Card Protection Lifetime

Afterbirth this plan will be automatically auto-saving education and medical card to keep protect them health and let them have saving, if parents have something happen, the insurance also can continue by itself and protect their child, and in the end of the day, the child also can take back all the cash value of the insurance to invest in business or their higher education fees.

 

(If want to know how to buy guarantee renewal with free insurance coverage, can call 012-3922215 MR KEE or email kee1977@yahoo.com)