Agreements Signature 18-02-2019 

• License Agreement 
• Master Services Agreement
  • Limited Liability discussed and approved
• Appendix (A) to Master Services Agreement
• Statement of Work 1

The License Agreement Covers 13 Systems  (All in blue clickable for overview):

• Business Requirements Document (BRD) & Gap Analysis

• MOM ICIEC Kick off 07 04 2019
• ICIEC MoM Kick off Project Charter
• ICIEC Project Charter Signed

• ESKA Credit Insurance System
• ESKA Bancassurance System
• ESKA Customer Portal 
• ESKA Financial Management System
• ESKA Agent Portal
• ESKA Incident Management System (IMS)
  
• ESKA Document Management System (DMS)
• ESKA Customer Relationship Management (CRM)
• ESKA Approval System
• ESKA Notifications System
• ESKA Intelligence and Analytics Systems (Logging - Audit Trail - Analytics)
  
• ESKA Workflow Management System
• ESKA Takaful - Wakala Insurance System

• Project Charter

• Business Processes Document 

Original Scope is Completed & Delivered in 2020

yet

Closure of the Original Agreement is being withheld by ICIEC

• Management Meeting / ESKADENIA - ICIEC 17 May 2025

• Out of  the total of 462 CR points, ICIEC has approved 445, BUT requested additional changes on 17 points of the approved CRs, 
• Additional Changes were requested by ICIEC as a result of the completed data migration reconciliation sessions. 
• Hundreds of points (changes) were developed by ESKADENIA and delivered to ICIEC at no extra cost. 
• All Change Requests were delivered as per the Signed Scope Documents and even beyond a stretched scope.
• The current pressing issue is that another list of additional requirements is needed by ICIEC and is regarded as a prerequisite before going live.

• CR 01_2020
• CR 01_2021
• CR 01_2022
• CR 01_2024
• CR Assesment Report By the Parties (Sent Via Electronic Correspondences / Project Manager Lasian Mobaideen, and CEO Nael Salah).

• ICIEC_Announcement_ESKADENIA New Enterprise Business Unit Manager_10 Jan 2024
• ICIEC_Announcement_ESKADENIA Project Team_Resource Change Note_29 Aug 2021
• ICIEC_Announcement_Credit Insurance_New BA Resource_24 Oct 2024
• ICIEC_Announcement_New ESKADENIA Security and Analytics Business Unit Manager_20 Feb 2023
• ICIEC_Announcement_New ESKADENIA Security and Analytics Business Unit Manager_20 Feb 2023_

• Training Acceptance Letter

• Provisional Acceptace Letter
• Statement of Account / Financials Counterclaim

  Statements of Account

  
  

  Financials Counterclaim

  

• CEO Letter Nael Saleh - 1^st of January 2023
• CEO Letter Nael Salah - 8^th of January 2023
• ESKA CEO Letter 9^th March 2023
• CEO Letter Nael Salah - 12^th of July 2023
• CEO Letter Nael Salah - 24^th of Oct 2023
• CEO Letter Nael Salah - 8^th of Nov 2023
• ESKA CEO Letter 28^th November 2023
• ESKA CEO Letter 18^th December 2023
• ESKA CEO Letter 2nd January 2024
• ESKA CEO Letter 15th April 2024
• ESKA CEO Letter 22 May 2024
• Final Legal ICIEC CEO Letter 23 July 2025
• ESKA CEO Letter 14th August 2025 (Counterclaim)
• ESKA CEO Letter 15 October 2025

• ESKADENIA Users were Locked by ICIEC and PWs not Renewed
• ESKADENIA Users Locked

ICIEC has failed to commit to the project with an absence of " ineffective IT leadership and administration, the internal misinformation between the IT and the business leaders lead to this misfortunate stop of a successful product. None that ESKADENIA is responsible for. " Quote by ESKADENIA

• The  uncontrolled,  continued requests for out-of-the-scope requirements have highly impacted  the project planned schedule, key milestones and going live.
•  None of the additional requirements requested by ICIEC are proven (with evidence) to be within the scope.

Failure to Commit to The Signed and Agreed Scope
Example is of the Appendix A to the master services agreement and to the signed scope of the BRD, and the CRs (CR 01_2020, CR 01_2021, CR 01_2022 & CR 01_2024) with continued requests of additional requirements that are out-of-the-scope throughout the past 5 years.

ICIEC Failed to comply with Appendix A to the Master Agreement
– Section 7 Scope Change Requests “Management of scope needs to be strictly enforced. All project team members should ensure that they are familiar with the scope and ensure that the design and deliverables remain within the boundaries of this scope.”

On Changes of Personnel 

• ESKADENIA has informed the ICIEC IT team ( Mohamad El-Sayed &  Reyaz Wani) with changes in ESKADENIA’s consultants by email throughout the project duration.

ICIEC Failed  to comply with Appendix A to the Master Agreement 

– Section 3 Data Lifecycle Management (Actions by ICIEC) “Data cleansing: Purging the obsolete data based on rules to be defined,

1. Correcting the data in the existing System(s),
2. Completing the missing data in the existing System(s),
3. Archiving the data, if need be based on rules to be defined”

• Notice of Termination of Agreements Between ICIEC and ESKADENIA Software 9-7-2025
• Notice of Termination of Agreements Between ICIEC and ESKADENIA Software 31-7-2025
• Response to ICIEC Unilateral Notice of Termination - 1 
• Response to ICIEC Unilateral Notice of Termination - 2

• ICIEC_ITS_Technical Meeting_discuss CRs and Data Migration remarks justification_Apr 2025
• RE ICIEC ITS Technical Meeting to discuss remarks justification_MoM_14 Apr 2025_ESKA Reply1
• RE ICIEC ITS Technical Meeting to discuss remarks justification_MoM_14 Apr 2025_ESKA Reply2
• ICIEC Takaful System_Progress Report_11122024_08042025
• ICIEC_Technical Meeting_ESKADENIA Position Basis_14 Apr 2025
• ICIEC_Insurance Data Migration Reconciliation_Progress Report_20 Mar 2025
• ICIEC_Insurance Data Migration Reconciliation_Progress Report_08 Apr 2025
• ICIEC_TakafulSystem_ProgressReports

• ESKADENIA claims financial payment as stated in our last letter.
  
• We could agree on a reasonable price to license the Intellectual Property (Source Code) of the Credit Insurance System for ICIEC internal use.
  
• We could agree on the smooth transfer of the Intellectual Property (Source Code) and associated competence development of ICIEC IT staff.
  
• We would be available as technology consultants for a certain period of time if needed. 

• ESKADENIA needs the pending payments of the Original Agreement and the four Change Requests and additional efforts’ costs to be  settled.
  
• We would agree on a final Change Request to be signed ahead of going live.
  
• ESKADENIA will put all its efforts and competent resources to close this final Change Request in record time.
  
• We need the good will of ICIEC to push for a speedy project closure. 

• ESKADENIA's (The Respondent) Reponse to the RFA 23-2026 Reffrence to IICRA Rules 14 and 14.4
• The Respondent reserve their right to to request all sorts of evidences mentioned and permitted through the IICRA rules Article (43) including but not limited Experts Opnion throught inspection and auditing over the systems through an independent experties.