In a world dominated by profit-driven financial giants, Co-operative banks stand as a beacons of community driven finance. These unique institutions, rooted in mutual support and collective growth, play a pivotal role in India’s economic fabric. Let’s explore their structure, impact, and why they remain indispensable in 2025.
Co-operative banks operate on the principle of prioritizing member welfare over profit. Governed by the motto “no profit, no loss,” they are democratically managed by their members. Unlike commercial banks, their mission is simple: provide affordable financial services to underserved communities, fostering trust and local empowerment.
Co-operative banks form a three-tiered network:
This structure ensures financial access even in remote areas, supporting everything from crop loans to small businesses in urban areas.
Example: Scheduled UCBs like Saraswat Bank enjoy RBI privileges, while non-scheduled ones operate independently.
Grassroots units providing farmers with timely loans for seeds, equipment, and more.
Focus on long-term agricultural projects, like irrigation or land purchase.
| Aspect | Co-operative Banks | Commercial Banks |
|---|---|---|
| Ownership | Member-driven | Shareholder-owned |
| Profit Motive | Break-even focus | Profit maximization |
| Governance | Democratic (one member, one vote) | Hierarchical management |
| Primary Clientele | Rural/underserved communities | Urban and corporate sectors |
These banks are listed in chronological order of their establishment.
Founded: January 1906
Headquarters: Pune, Maharashtra
Cosmos Co-operative Bank holds the distinction of being one of the oldest and most respected co-operative banks in India. Its journey from a small community-focused institution to a technology-driven modern bank illustrates the evolution of co-operative banking in India.
Cosmos Bank has been particularly successful in blending co-operative principles with technological advancement. The bank's emphasis on professional management and strategic vision has enabled it to expand beyond traditional boundaries while maintaining its co-operative ethos. Its recovery mechanisms and credit assessment procedures are often cited as best practices in the co-operative banking sector.
Founded: December 1906
Headquarters: Mumbai, Maharashtra
SVC Bank has a rich history spanning over a century, originally established to serve the Gaud Saraswat Brahmin community but now operating as a multi-state scheduled Co-operative bank serving diverse communities.
SVC Bank's longevity can be attributed to its adaptability and willingness to evolve while staying true to co-operative principles. The bank has particularly excelled in maintaining high standards of corporate governance and transparency in its operations.
Founded: 1917
Headquarters: Mumbai, Maharashtra
NKGSB Co-operative Bank has successfully transitioned from its community banking roots to become a significant player in the Co-operative banking sector while maintaining its cultural heritage and values.
The bank's name NKGSB stands for Nasik, Kolhapur, Goa and Sindhudurg regions in Maharashtra, reflecting its historical connection to these areas. Its governance approach has successfully integrated traditional values with modern banking requirements, creating a distinctive co-operative banking model.
Founded: 1918
Headquarters: Mumbai, Maharashtra
Saraswat Co-operative Bank stands as the premier urban co-operative bank in India with a legacy spanning over a century. Originally established to serve the financial needs of the Saraswat Brahmin community, the bank has since evolved into a multi-state scheduled co-operative bank serving diverse communities.
The bank's commitment to technological innovation has been particularly noteworthy, with significant investments in digital transformation to enhance customer experience. Its strong community ties combined with professional management practices have created a unique model of co-operative banking that balances traditional values with modern banking needs.
Founded: August 1949
Headquarters: Chandigarh
The Punjab State Co-operative Bank serves as the apex institution for co-operative banking in Punjab, playing a crucial role in the state's agricultural economy and rural development.
The bank's operations are deeply intertwined with Punjab's agricultural economy, and it has played a significant role in the state's transformation into an agricultural powerhouse. Its board typically includes representatives from various agricultural sectors and rural communities.
Founded: October, 1949
Headquarters: Pune, Maharashtra
Janata Sahakari Bank has distinguished itself through technological innovation and forward-thinking banking practices while maintaining the co-operative structure and principles.
The bank's focus on youth banking and technological adoption has helped it build a more diverse customer base than many traditional co-operative banks. Its governance structure emphasizes professional management while maintaining democratic member control.
Founded: 1965
Headquarters: Mumbai, Maharashtra
Abhyudaya Co-operative Bank was established with a distinct social mission to serve economically weaker sections of society. This social orientation continues to define its operations and strategic focus to this day.
The bank has strong presence in areas with significant working-class populations and has developed expertise in understanding the financial needs of this demographic.
Founded: 1970
Headquarters: Ahmedabad, Gujarat
Kalupur Commercial Co-operative Bank has established itself as a leading financial institution in Gujarat, with a particular focus on serving the trading and business communities that form the backbone of Gujarat's economy.
The bank's name derives from Kalupur, a historic commercial hub in Ahmedabad, reflecting its deep connections with the trading community. Its governance typically includes representatives from various business sectors, ensuring that the bank's strategies align with the needs of its primary customer base.
Founded: 1972
Headquarters: Thane, Maharashtra
TJSB Co-operative Bank has grown from a small local bank in Thane to a significant player in the co-operative banking sector with operations across multiple states. Its growth story exemplifies how local roots can be leveraged for broader expansion.
TJSB's success can be attributed to its strategic leadership that emphasized technological adoption while maintaining strong community connections. The bank has been particularly effective in identifying and serving the banking needs of the rapidly developing satellite cities around Mumbai.
Founded: 1978
Headquarters: Mumbai, Maharashtra
Bharat Co-operative Bank has carved a niche for itself by focusing on urban and commercial banking needs while maintaining the co-operative structure. The bank has strategically positioned itself as a bridge between traditional co-operative values and modern urban banking requirements.
The bank's strength lies in its deep understanding of urban market needs combined with personalized service that larger commercial banks often cannot provide. Its board composition typically includes experienced professionals from various sectors, bringing diverse expertise to its governance.
Co-operative banks are engines of social equity, turning savers into stakeholders. Whether it’s a farmer in Punjab accessing a loan or a Mumbai artisan opening her first savings account, these institutions democratize finance. As India strides toward a $5 trillion economy, their community-centric model will remain vital, proving that banking can indeed be by the people, for the people.
Nelito Systems offers customized solutions & services for its clients from finance and other sectors. To learn more about it, write us at marketing@nelito.com or visit us here.
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Comments :
main purpose of writing this to the whole world is about the great deeds DR Festus did for me. I was diagnosed of a HSV since the year 2000, ever since then i have
been taking medications on till i met doctor festus. though i never believed in Herb medicine, i saw many testimonies on how he cured so many people and i decided
to contact him through his email, and he told me that he would require some items to prepare a herbal medicine for me and i sent him the money he needed cus i
promised my self to do anything to get cured and so lucky he sent he fulfilled His part of the agreement he purchase the items and he prepared the medicine for me
and he told me how i will be taking it. he asked me to have faith and believed in him which i did, after taking the medicine he asked me to go go a check-up, when
i did the check-up i was tested HIV Negative. All thanks to DR Festus. if you are suffering from any disease like the herpes virus or other std and you need a way
out i advice you kindly contact him via his email on Drfestusherbalsolutioncentre@gmail.com. you can also WhatsApp +2347073677389.
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LORD VASIKAR CAN AS WELL CURE THE FOLLOWING DISEASE:-
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HSV
Hepatitis A,B,C
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PCOS
Turner Syndrome (TS)
Heart Disease
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Alopecia
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Syphilis
Neuropathy
Natural remedy for curing HERPES and HIV. WhatsApp Lord Vasikar on +44 7494 422098.
Hello, dear readers. I am overjoyed to share my incredible testimony. My heart was shattered when my husband left me and our child. I was lost, confused, and desperate to bring him back, but nothing seemed to work.
One day, I confided in a friend about my struggles, and she introduced me to the renowned spell caster, DR. OLUBAJE. the same person who helped her conceive after years of trying. Though I was skeptical about spells, I decided to give it a chance.
To my amazement, within just a few hours of reaching out, Dr. Olubaje responded and provided me with guidance and specific instructions. I followed them carefully, and to my greatest surprise, my husband who had not contacted me for three years called me out of the blue. He apologized sincerely for all the pain he had caused and begged to return home to me and our children.
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I am writing this testimonial with immense gratitude and a renewed sense of hope in my heart. For years, I battled with the physical and emotional torment caused by the herpes virus. It felt like an unending struggle, until I discovered a remarkable solution that changed my life forever. Like many others, I had tried countless remedies, medications in search of a cure. I had lost hope, resigned to the belief that herpes was something I would have to live with indefinitely. However, fate intervened and led me to a breakthrough that altered the course of my life. Upon stumbling on a revolutionary treatment option, my skepticism slowly transformed into a flicker of hope. The treatment was a natural remedy from Dr Awase [ HERBS ] Over time, as I followed the treatment diligently, I started noticing positive changes and I experienced a boost in my overall well-being. I am ecstatic to share that I am now herpes-free confirmed by my Dr after a test was done. The treatment I received was nothing short of miraculous and I couldn't be more grateful. I have regained my self-confidence and the burden that once weighed heavily upon me has been lifted. I was cured of my herpes virus through natural medication.
If you, like me, have been struggling with herpes and searching for a way out, please know that hope exists. May my story inspire hope in the hearts of those who need it. He also specializes in getting rid of HPV, OVARIAN CYST, PCOS, HEPATITIS and a lot more.
Contact on WhatsApp +2349074997110
Email:- dr.awaseherbalhome@gmail.com
I am writing this testimonial with immense gratitude and a renewed sense of hope in my heart. For years, I battled with the physical and emotional torment caused by the herpes virus. It felt like an unending struggle, until I discovered a remarkable solution that changed my life forever. Like many others, I had tried countless remedies, medications in search of a cure. I had lost hope, resigned to the belief that herpes was something I would have to live with indefinitely. However, fate intervened and led me to a breakthrough that altered the course of my life. Upon stumbling on a revolutionary treatment option, my skepticism slowly transformed into a flicker of hope. The treatment was a natural remedy from Dr Awase [ HERBS ] Over time, as I followed the treatment diligently, I started noticing positive changes and I experienced a boost in my overall well-being. I am ecstatic to share that I am now herpes-free confirmed by my Dr after a test was done. The treatment I received was nothing short of miraculous and I couldn't be more grateful. I have regained my self-confidence and the burden that once weighed heavily upon me has been lifted. I was cured of my herpes virus through natural medication.
If you, like me, have been struggling with herpes and searching for a way out, please know that hope exists. May my story inspire hope in the hearts of those who need it. He also specializes in getting rid of HPV, OVARIAN CYST, PCOS, HEPATITIS and a lot more.
Contact on WhatsApp +2349074997110
Email:- dr.awaseherbalhome@gmail.com
LORD VASIKAR CAN AS WELL CURE THE FOLLOWING DISEASE:-
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Natural remedy for curing HERPES and HIV. WhatsApp Lord Vasikar on +44 7494 422098.
I am writing this testimonial with immense gratitude and a renewed sense of hope in my heart. For years, I battled with the physical and emotional torment caused by the herpes virus. It felt like an unending struggle, until I discovered a remarkable solution that changed my life forever. Like many others, I had tried countless remedies, medications in search of a cure. I had lost hope, resigned to the belief that herpes was something I would have to live with indefinitely. However, fate intervened and led me to a breakthrough that altered the course of my life. Upon stumbling on a revolutionary treatment option, my skepticism slowly transformed into a flicker of hope. The treatment was a natural remedy from Dr Awase [ HERBS ] Over time, as I followed the treatment diligently, I started noticing positive changes and I experienced a boost in my overall well-being. I am ecstatic to share that I am now herpes-free confirmed by my Dr after a test was done. The treatment I received was nothing short of miraculous and I couldn't be more grateful. I have regained my self-confidence and the burden that once weighed heavily upon me has been lifted. I was cured of my herpes virus through natural medication.
If you, like me, have been struggling with herpes and searching for a way out, please know that hope exists. May my story inspire hope in the hearts of those who need it. He also specializes in getting rid of HPV, OVARIAN CYST, PCOS, HEPATITIS and a lot more.
Contact on WhatsApp +2349074997110
Email:- dr.awaseherbalhome@gmail. com
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For years, I struggled with the emotional and physical burden of the herpes virus, believing I would have to live with it forever. I tried countless treatments, medications, and therapies, but nothing seemed to bring lasting relief. It felt like a battle with no end in sight until I discovered a natural remedy that changed everything (herbs). Skeptical at first, I decided to give it a try, and to my surprise, I started noticing improvements in my overall well-being within two days of taking the medication. With consistency as prescribed by the herbal doctor, I felt healthier, more energized, and free from the symptoms that had once controlled my life. After completing the treatment, (14days) I visited my doctor for confirmation, and I was overjoyed with the results. I tested negative. I was cured from my HSV1&2
This experience has given me back my confidence, peace of mind, and a renewed sense of hope. If you or someone you know is struggling with herpes or other health concerns like HPV, endometriosis, ovarian cysts, PCOS, or hepatitis, know that there are alternative options available and you will be cured. For those seeking a natural approach to wellness, I encourage you to explore this path with an open mind. You never know how life-changing it might be. Just if you want to reach out, you can contact:
Email: dr.awaseherbalhome@gmail.com
WhatsApp: +2349074997110
Dr. Dan also specializes in treating:• HPV (Human Papillomavirus)• Endometriosis• PCOS (Polycystic Ovary Syndrome)• Ovarian Cysts• Infertility• Diabetes (Type 1 & 2)• Hepatitis A, B, C• Cold Sores• Fibroids• Multiple Sclerosis• Urticaria (Hives) & Angioedema• Hantavirus• Lupus (All Types)• And many other infections and diseases
Don’t lose hope — nature holds powerful healing solutions!
If you’re looking to permanently eliminate HERPES, I highly recommend reaching out to Dr. Dan. You can contact him via WhatsApp at +447365758728 or email him at drdanhealingherbs@yahoo.com.
Don’t underestimate the powerful healing potential of herbs!
For years, I struggled with the emotional and physical burden of the herpes virus, believing I would have to live with it forever. I tried countless treatments, medications, and therapies, but nothing seemed to bring lasting relief. It felt like a battle with no end in sight until I discovered a natural remedy that changed everything (herbs). Skeptical at first, I decided to give it a try, and to my surprise, I started noticing improvements in my overall well-being within two days of taking the medication. With consistency as prescribed by the herbal doctor, I felt healthier, more energized, and free from the symptoms that had once controlled my life. After completing the treatment, (14days) I visited my doctor for confirmation, and I was overjoyed with the results. I tested negative. I was cured from my HSV1&2
This experience has given me back my confidence, peace of mind, and a renewed sense of hope. If you or someone you know is struggling with herpes or other health concerns like HPV, endometriosis, ovarian cysts, PCOS, or hepatitis, know that there are alternative options available and you will be cured. For those seeking a natural approach to wellness, I encourage you to explore this path with an open mind. You never know how life-changing it might be. Just if you want to reach out, you can contact:
Email: dr.awaseherbalhome@gmail.com
WhatsApp: +2349074997110
WhatsApp number: +18077891081
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For years, I struggled with the emotional and physical burden of the herpes virus, believing I would have to live with it forever. I tried countless treatments, medications, and therapies, but nothing seemed to bring lasting relief. It felt like a battle with no end in sight until I discovered a natural remedy that changed everything (herbs). Skeptical at first, I decided to give it a try, and to my surprise, I started noticing improvements in my overall well-being within two days of taking the medication. With consistency as prescribed by the herbal doctor, I felt healthier, more energized, and free from the symptoms that had once controlled my life. After completing the treatment, (14days) I visited my doctor for confirmation, and I was overjoyed with the results. I tested negative. I was cured from my HSV1&2
This experience has given me back my confidence, peace of mind, and a renewed sense of hope. If you or someone you know is struggling with herpes or other health concerns like HPV, endometriosis, ovarian cysts, PCOS, or hepatitis, know that there are alternative options available and you will be cured. For those seeking a natural approach to wellness, I encourage you to explore this path with an open mind. You never know how life-changing it might be. Just if you want to reach out, you can contact:
Email: dr.awaseherbalhome@gmail.com
WhatsApp: +2349074997110
I would be healed someday.The pain started to circulate all over my body and I have been taking treatment from my doctor, 5 months ago I came on search on
the internet if I could get any information concerning the prevention of this disease, on my search I saw a testimony of someone who has been healed from
(Hepatitis B and Cancer) by this Man DR festus with the address of this man and advise we should contact him for any sickness that he would be of help, so I
wrote to DR festus telling him about my HERPES Virus and chronic pain all over my body and he told me not to worry that I was going to be cured!! hmm i never
believed it either,, well after all the procedures and remedy given to me by this man few weeks later I started experiencing changes all over me as the DR
assured me that I have been cured with the chronic pain gone after the first week of using his medicine, after 2 weeks i went to my doctor to confirmed if
I have been finally healed and the result came out negative, So friends my advice is if you have such sickness or any other like HSV1,2,HPV1,2,3,CANSER HIV,COLD
SORES,TOOTH ache, ETC you can email DR Festus on drfestusherbalsolutioncentre@gmail.com sir I am indeed grateful for the help I will forever recommend you to my
friends!!! you can also text him on his whatsapp +2347073677389.
I would be healed someday.The pain started to circulate all over my body and I have been taking treatment from my doctor, 5 months ago I came on search on
the internet if I could get any information concerning the prevention of this disease, on my search I saw a testimony of someone who has been healed from
(Hepatitis B and Cancer) by this Man DR festus with the address of this man and advise we should contact him for any sickness that he would be of help, so I
wrote to DR festus telling him about my HERPES Virus and chronic pain all over my body and he told me not to worry that I was going to be cured!! hmm i never
believed it either,, well after all the procedures and remedy given to me by this man few weeks later I started experiencing changes all over me as the DR
assured me that I have been cured with the chronic pain gone after the first week of using his medicine, after 2 weeks i went to my doctor to confirmed if
I have been finally healed and the result came out negative, So friends my advice is if you have such sickness or any other like HSV1,2,HPV1,2,3,CANSER HIV,COLD
SORES,TOOTH ache, ETC you can email DR Festus on drfestusherbalsolutioncentre@gmail.com sir I am indeed grateful for the help I will forever recommend you to my
friends!!! you can also text him on his whatsapp +2347073677389.
I would be healed someday.The pain started to circulate all over my body and I have been taking treatment from my doctor, 5 months ago I came on search on
the internet if I could get any information concerning the prevention of this disease, on my search I saw a testimony of someone who has been healed from
(Hepatitis B and Cancer) by this Man DR festus with the address of this man and advise we should contact him for any sickness that he would be of help, so I
wrote to DR festus telling him about my HERPES Virus and chronic pain all over my body and he told me not to worry that I was going to be cured!! hmm i never
believed it either,, well after all the procedures and remedy given to me by this man few weeks later I started experiencing changes all over me as the DR
assured me that I have been cured with the chronic pain gone after the first week of using his medicine, after 2 weeks i went to my doctor to confirmed if
I have been finally healed and the result came out negative, So friends my advice is if you have such sickness or any other like HSV1,2,HPV1,2,3,CANSER HIV,COLD
SORES,TOOTH ache, ETC you can email DR Festus on drfestusherbalsolutioncentre@gmail.com sir I am indeed grateful for the help I will forever recommend you to my
friends!!! you can also text him on his whatsapp +2347073677389.
If you’re looking to permanently eliminate herpes, I highly recommend reaching out to Dr. Dan. You can contact him via WhatsApp at +447365758728 or email him at drdanhealingherbs@yahoo.com.
Don’t underestimate the powerful healing potential of herbs!
https://wa.me/2349064159687
(Dr Bello)
https://www.facebook.com/profile.php?id=100092251502209&mibextid=ZbWKwL
@Dr odiagbe Bello
You can also reach doctor UMA on WhatsApp
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It's Good for herpes patient to please read my testimony,my name is Diana i am from California USA, I caught genital herpes from my ex girlfriend who never had any symptoms. I have had it for 1 year now, and it has affected my life. I have told my boyfriends who I trusted about it and I have never had a bad reaction, it has affected my new relationships with Damon People think herpes is really a minor skin irritation,herpes has a long term effects on health.The stigma attached to this virus by ignorant people is ridiculous. Most people have herpes in one form or another. I would like to advise people on how i got rid of my herpes.i was reading a comment on the internet,and i saw a testimony posted by a woman from island that she got rid of her herpes with the help of dr. sikies .so i was so happy when i saw that post,that his herbal medication is free.i quickly collected the herbal doctor email: drsikies@gmail.com
call or whatsapp him on his mobile number +2349137453970
Place order via website https://drsikiesherbalcuremedicine.weebly.com/
He also have the herb to cure
(1) CANCER,
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(5) CANCER,
(6) HERPES,
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2017 MY MOTHER WAS DIAGNOSED OF HERPES/ KNOWN AS GENITAL WARTS ,I SPENT A LOT OF MONEY ON HER MEDICATION TILL A POINT I EVEN LOST HOPE,BECAUSE MY MOTHER WAS GRADUALLY DYING AND LOST HER MEMORY TOO, I WAS SO DESPERATE TO GET MY MOTHER BACK TO NORMAL, ONE DAY MY UNCLE WHO LIVES IN LONDON UNITED KINGDOM TOLD ME ABOUT DR OLIHA ,WHO HELPED HIM GET RID OF HERPES /GENITAL WART WITH HERBAL MEDICINE AND HIS HERBAL SOAP ,I WAS SO SHOCKED WHEN HE TOLD ME ABOUT THIS ,ALTHOUGH I NEVER BELIEVE IN HERB BUT, I KEEP TO BELIEVE BECAUSE MY UNCLE CAN'T TELL ME LIES WHEN IT COMES TO HEALTH CONDITION I CONTACTED DR OLIHA VIA HIS EMAIL; OLIHA.MIRACLEMEDICINE@GMAIL.COM , YOU CAN TALK TO HIM VIA CALL OR WHATSAPP MESSENGER ON +2349038382931 , HE REPLIED AND ASK ME TO SEND MY HOME ADDRESS AND MY MOTHER'S DETAIL AND THEN I PURCHASED THE HERBAL MEDICINE,SENT ME THE HERBAL MEDICINE THROUGH COURIER SERVICE, WHEN I RECEIVED THIS HERBAL MEDICINE USED IT FOR 2 WEEKS, AND 4 DAYS OF USAGE THE WARTS FELL OFF, MY MOTHER I NOW TOTALLY CURED AND MY MOTHER IS LIVING FREE AND HAPPY AGAIN. YOU CAN TALK TO DR VIA HIS MOBILE NUMBER OR WHATS APP HIM ON +2349038382931 OR https://olihamiraclemedici.wixsite.com/drolihamiraclemedici/ ALL THANKS TO DOCTOR DR OLIHA
2017 MY MOTHER WAS DIAGNOSED OF HERPES/ KNOWN AS GENITAL WARTS ,I SPENT A LOT OF MONEY ON HER MEDICATION TILL A POINT I EVEN LOST HOPE,BECAUSE MY MOTHER WAS GRADUALLY DYING AND LOST HER MEMORY TOO, I WAS SO DESPERATE TO GET MY MOTHER BACK TO NORMAL, ONE DAY MY UNCLE WHO LIVES IN LONDON UNITED KINGDOM TOLD ME ABOUT DR OLIHA ,WHO HELPED HIM GET RID OF HERPES /GENITAL WART WITH HERBAL MEDICINE AND HIS HERBAL SOAP ,I WAS SO SHOCKED WHEN HE TOLD ME ABOUT THIS ,ALTHOUGH I NEVER BELIEVE IN HERB BUT, I KEEP TO BELIEVE BECAUSE MY UNCLE CAN'T TELL ME LIES WHEN IT COMES TO HEALTH CONDITION I CONTACTED DR OLIHA VIA HIS EMAIL; OLIHA.MIRACLEMEDICINE@GMAIL.COM , YOU CAN TALK TO HIM VIA CALL OR WHATSAPP MESSENGER ON +2349038382931 , HE REPLIED AND ASK ME TO SEND MY HOME ADDRESS AND MY MOTHER'S DETAIL AND THEN I PURCHASED THE HERBAL MEDICINE,SENT ME THE HERBAL MEDICINE THROUGH COURIER SERVICE, WHEN I RECEIVED THIS HERBAL MEDICINE USED IT FOR 2 WEEKS, AND 4 DAYS OF USAGE THE WARTS FELL OFF, MY MOTHER I NOW TOTALLY CURED AND MY MOTHER IS LIVING FREE AND HAPPY AGAIN. YOU CAN TALK TO DR VIA HIS MOBILE NUMBER OR WHATS APP HIM ON +2349038382931 OR https://olihamiraclemedici.wixsite.com/drolihamiraclemedici/ ALL THANKS TO DOCTOR DR OLIHA
You can also reach doctor UMA on WhatsApp
+2347035619585 or Email dr.umaherbalcenter@gmail.com.
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You can also reach doctor UMA on WhatsApp
+2347035619585 or Email dr.umaherbalcenter@gmail.com.