Antonine University

Faculty of Business Administration

Internship Report

Prepared by:
BARAKAT Youssef
(201720310)

Under the supervision of:

Dr. Alain Osta

Academic year

2020- 2021
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Acknowledgment:
I’m greatly to thank and express my gratitude to ANTONINE University presented by Father
Joseph Farah and the Father Francesco.

My first thanks go to Dr. Alain Osta, my internship supervisor, for his management, guidance,
and understanding and who gave us the opportunity to do this internship. This internship is
important and prepares us for the professional field and which has an important role in our
success in university and its advice has helped us to know the basis of our success.

I would like to extend my heartfelt thanks to my family, my friends and all who assisted me with
their valuable suggestions and ideas while preparing the report.

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Table of content
Introduction......................................................................................................................................1

Chapter 1: The financial sector and OMT.......................................................................................2

Section 1: The Lebanese financial sector.....................................................................................2

Section 2: OMT in Lebanon.........................................................................................................7

Section 3: Organizational chart....................................................................................................9

Chapter 2: My internships.............................................................................................................10

Section 1: The tasks...................................................................................................................10

I. Money transfer................................................................................................................10

II. Payment...........................................................................................................................14

Section 2: The result..................................................................................................................17

Conclusion.....................................................................................................................................19

References......................................................................................................................................20

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4
Table of figures
Figure 1: Local Money Transfer Price List in LBP.......................................................................11
Figure 2: Local Money Transfer Price List in USD......................................................................12
Figure 3: International Money Transfer Price List in USD...........................................................14
Introduction
At the end of the second year in business, an internship is necessary for the students to discover
the world of work and to deepen in the various banking operations which will help us to obtain a
good experience.

I had the chance to do an internship at Smart Way Services, an OMT authorized agent that
provides OMT services locally and internationally, because it will present an opportunity to go
into the field and see how more prepared my knowledge already acquired theoretically, and this
is reflected in practice and also to learn the different operations of transferring money.

I chose to do my internship at Smart Way Services for its particularity which differs from other
non-transfer money institutions. In other words, the work of the OMT is closely linked to the
private sector. Their work is linked to individuals.

The training that I did started on 1st of July 2020 and ended on 30 of September 2020. I did my
internship at Smart Way Services in its branch in Zgharta. During my internship I had learned all
the transactions related to the transfer of money in Lebanon and abroad.

This report is divided into 2 chapters: in the first chapter, I will present the financial sector and
talk about OMT, in the second chapter I will discuss the different missions and tasks done at
Smart Way Services and finally, I will deal with the general conclusion.

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Chapter 1: The financial sector and OMT
Section 1: The Lebanese financial sector
The financial sector is a monetary sector that takes together all the actions that relate to money.
In specific, it contains the banking and assurance sectors to the fact of being occasionally
referred to as the “Banking Assurance Sector”.

The financial segment takes together the various actions of credit organizations, of which banks
are fragment. This sector is existing in all nations of the world. The performers in this sector use
all the occupations of credit organizations. The most well-known of these occupations to the
general community is that of trade banking, which contains on the one hand in keeping persons'
savings in credit and on the other hand in loaning money to these same persons.

The segment also includes suppliers specifying in finance, who are usually intermediaries.

According to the NACE-rev nomenclature, financial segment performers are those who fit to one
of the following groups:

 Group 64 - Financial facility actions, except assurance and income funding; These
contain, for example, trade banks, profitable banks, investment and marketplace banks,
asset organization actions, research / brokerage actions in the segment and many
specialized monetary services.
 Group 65 - Assurance (assurance / reinsurance)
 Group 66 - Events auxiliary to financial facilities and assurance.

The six tasks of the financial structure:

1. Deliver and accomplish the means of imbursement

2. Gather savings in order to finance big and non-divisible investment plans
3. To best transmission economic capitals through space and time
4. Provide danger management tools
5. Produce information influencing economic and financial decisions
6. Set up motivation mechanisms to decrease conflicts connected to information
asymmetries.

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Since the slowdown in economic growth that began in 2011, following the outbreak of the
conflict in Syria and the desertion of wealthy Gulf nationals, the Lebanese state has found it
increasingly difficult to make ends meet. The difficulties encountered by the private sector have
had repercussions on its tax revenues, which have changed only slightly: they amounted to $ 8.8
billion in 2011, and reached only $ 8 billion at the end of the year. September 2018, according to
the latest figures available.

The three main corposants of public expenditure, which have gradually increased during these
years, are debt service (the amount the government pays each year to honor its debts), civil
service salaries and wages, and transfers from the Treasury. Electricity of Lebanon to make up
the deficit of the later.

To cover this growing deficit, the state increasingly needs to go into debt. Public debt had
increased from 54 billion in 2011 to 83.6 billion dollars at the end of October 2018. In Lebanon,
it is the local banks which lend to the State, either directly by subscribing to bonds (bonds of the
Treasury in pounds and Eurobonds in dollars), or indirectly through the central bank, by making
deposits there, which are then used by the BDL to subscribe to bonds.

In order to be able to continue to finance the state, banks must be able to count on growth in their
deposits. But this is slowing more and more as debt needs increase. The growth of deposits is
mainly based on remittances from the diaspora, which are declining for two reasons: the crisis in
the Gulf, but also a decline in expatriate confidence in the sustainability of the Lebanese
financial system due to political risk amplified and an unstable geopolitical situation.

To stop this widening of the public deficit and therefore contain the debt needs of the state, a
government must be formed in order to carry out reforms aimed at reducing this deficit: by
lowering state spending and increasing its income. This is what Lebanon mainly committed to at
the so-called CEDRE conference, which was held in Paris in April. And which is presented by
the various reports of international organizations on Lebanon as the only way out of the crisis.
To increase its income, the state must be able to fight tax evasion and thus improve collection or
raise taxes again. To reduce its spending, it will have to act on its three main expenditure items
mentioned above: a reform of the civil service (eliminate unnecessary jobs created to maintain

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political patronage); electricity reform (through the construction of new power plants and higher
tariffs); and a decrease in debt service. The latter seems to be the most feasible solution in the
short term, since it will allow the State to save time, and thus eliminate any risk of default, which
would directly impact its main borrower, the Lebanese banking sector, and therefore its
depositors, Lebanese citizens.

Several options are possible to achieve debt service reduction:

 Debt rescheduling means that the state renegotiates the terms of the debt with the banks
by lowering interest rates and extending maturities (paying over ten years instead of five
years, for example).
 Debt restructuring, on the other hand, means that the state negotiates with the banks to
revise down the principal (the amount of capital borrowed and not just the interest). In
this case, the banks will incur large losses, which will be reflected in the deposits of
savers. They could therefore agree to debt rescheduling to avoid this scenario.
 Inflation through a devaluation of the pound means that the BDL decides to lower the
value of the pound against the dollar to reduce the size of the pound debt and increase
government revenues. Despite speculation, BDL governor Riad Salamé has always been
very firm in ruling out this possibility entirely. "We hear about devaluation, but as long as
the economy is dollarized, we have no interest in abandoning the stability of the
exchange rate, since this will hurt productivity and purchasing power, without necessarily
observes an improvement in competitiveness, «he declared at the end of December.
 Strong economic growth would also increase government tax revenues, but forecasts rule
out this possibility. The BDL expects growth between 1 and 1.5% for 2018, and the
World Bank and the International Monetary Fund on 1%.

As pointed out by many experts, the rapid formation of a new government would avoid the most
pessimistic scenarios.

For nearly a year, Lebanon has been assaulted by compounded crises specifically,

a financial and budgetary emergency, taken after by COVID-19, and finally the blast at
the Port of Beirut.

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In October 2019, the economy jumped into a financial catastrophe brought about by an
unexpected stop in capital invasions, which advanced universal failures across the banking
segment and debt sector, as well as completing the exchange rate. Later, on March 7, 2020, the
Government defaulted on the improvement of a US$1.2 billion Eurobond, marking Lebanon’s
first-ever sovereign default. Then, on March 18, the Government stated a State of General
Mobilization, imposing a lockdown to reduce COVID-19 that involved the closing of the borders
(air, sea, and land) and of public and private organizations. Finally, on August 4, 2020, a huge
explosion shaked the Port of Beirut, demolishing much of the port and rigorously damaging
dense housing and commercial parts within a 1- to 2-mile radius of it. 

Beyond the human tragedy, the monetary effect of the explosion has implications on

the countrywide level, regardless of the explosion’s geographical concentration. This provides to
long-time period structural vulnerabilities that consist of low-grade infrastructure—a
dysfunctional strength sector, water deliver shortages, insufficient stable waste and wastewater
management—public economic mismanagement, massive macroeconomic imbalances, and
deteriorating social indicators. 

Directly after the Port of Beirut blast, the World Bank Group (WBG), in collaboration with the
United Nations (UN) and the European Union (EU), threw a Rapid Damage and Needs
Assessment (RDNA) to guess the effect on the population, physical properties, infrastructure,
and facility delivery. 

The RDNA followed a “whole of Lebanon approach” by attracting the public establishments,
organizations, and civil society governments concerned. The valuation found that the worth of
damage from the blast was between in the range of US$3.8 to 4.6 billion, with damages to
financial flows of US$2.9 to US$3.5 billion. The effect is particularly simple in key sectors
vigorous for growth, including finance, housing, tourism, and trade. Through to the close of
2021, the expenses of recovery and rebuilding are predictable to total US$1.8 to $2.2 billion.
Separately from damages in economic movement, Lebanon can assume lower fiscal incomes,
developed inflation, and a further increase in poverty. Employment disruptions are also probable,
which would raise operation costs and further block growth. The RDNA mentions a framework
for Restructuring, Recovery, and Rebuilding (the '3Rs') to build back an improved Lebanon, one

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based on values of transparency, inclusion, and accountability. The 3Rs’ outline chains people-
centered interferences with physical reforms that contain macroeconomic steadying and
confirming human security, and improvements to governance instruments and the private-
sector’s working environment.

Building an improved Lebanon will need swift and decisive act, particularly on improvement. In
the instant term, Lebanon needs to implement a credible, complete, and coordinated macro-
financial stability policy, within a medium-term macro-fiscal outline. This policy would be
founded on:

 a debt rearrangement program intended at achieving debt sustainability over the medium-
term;
 a comprehensive rearrangement of the financial segment toward retrieval the solvency of
the banking segment;
 a new financial policy outline aimed at recovery confidence in the exchange rate and its
constancy;
 a phased fiscal change aimed at retrieval confidence in economic policy;
 development enhancing improvements;
 Improved social defense. 

Above the medium-term, Lebanon will have to rank building better organizations, better
governance, and a better commerce environment, together with physical rebuilding. However,
agreed Lebanon’s state of insolvency (sovereign, banking system) and its absence of sufficient
foreign interchange reserves, global aid and private investment will be essential for a
comprehensive recovery and reconstruction. The extent and rapidity to which aid and moneys are
mobilized will be contingent on whether the establishments and the Lebanese Parliament can act
quickly on enacting much wanted fiscal, financial, societal, and governance improvements.
Without improvements, there can be no maintainable recovery and rebuilding, and the social and
economic state will continue to deteriorate.

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Section 2: OMT in Lebanon
OMT story begins with the establishment of Online Money Transfer S.A.L. in 1998 as an
Accredited Agent of Western Union in Lebanon. OMT or Online Money Transfer S.A.L. is a
Lebanon-based financial facilities company headquartered in Beirut, and a Western
Union credited agent. It is the major money transfer company in Lebanon in terms of net size and
market part in its industry. OMT works through a network of 1000+ agent-owned sites spread
throughout Lebanon, as well as 4 stand-alone sites, owned and accomplished by OMT.

Beside its native and global money transfer facilities, OMT delivers a number of bank-related
and governmental facilities which it was able to deliver after signing contracts with numerous
ministries. It was one of the numerous enterprises taken by Lebanese business men to recover the
depressed Lebanese economy once the war had ended. This permitted OMT to expand its net and
reach 500 locations by 2003, and sign its first administrative agreement with the Ministry of
Telecommunications in 2004. In 2012, OMT developed the first business to offer local money
transfers deprived of referring to a global company. Through time, OMT has broadened its
services portfolio, building strong alliances with big market players, such as telecom operators,
banks, and large businesses, in addition to partnerships with several ministries in Lebanon.
Today, OMT is a recognized Financial Services leader with the Largest Agents' Network in
Lebanon. The company provides premium quality services to both Lebanese citizens and
residents. With its continuously growing network, a dedicated customer support and state of the
art product offering, OMT is committed to delivering the highest quality. In 2004, OMT
launched the "Western Union Domestic Money Transfer" service inside Lebanon. Western
Union combines the required licensing; a pay-in network that includes both retail locations and
digital and account payouts; a settlement mechanism that interacts with all these pay-in locations
and calculates currency conversions on both the send and receive ends; and tracking and risk-
assessment technology to support compliance with local regulations — to create the ONE truly
global money mover. In 2012, OMT launched "OMT INTRA Money Transfer", thus being the
first company offering the local money transfer service without referring to an international
company under the circulation of Central Bank of Lebanon decision #17/32/02. It helps to send
and receive money worldwide with OMT | Western Union money transfer service. OMT’s
mission is to provide reliable and efficient solutions for financial transactions through the widest
connected channels. Its vision is to be the leading solution for financial transactions.
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OMT’s core value:

 Empowerment of people
 Commitment to integrity
 Sense of ownership
 Drive for customer care
 Dedication to excellence
 Adherence to social responsibility

The services provided by OMT is divided into two categories:

1. Financial services: Financial services differ between local and global. Locally, money
might be transmitted to bank accounts, industries, NGOs, and persons through Cash to
Go, Cash to Bank, and OMT Intra Money Transfer services . Global money transfers to
Western Union locations around the world are accessible as well.
2. Governmental services: After signing agreements with numerous ministries, OMT was
able to deliver the following governmental services: ID regeneration, car plates
registering, mechanic payments, PCH housing payments and installments, water bills,
municipality services payments, taxes, emigrant workers, and traffic permits and
violations.

Through its 22 years of working, OMT has contracted arrangements with governmental
enterprises which permitted OMT to expand its list of facilities. These enterprises contain
Ministries of Finance, Telecommunications, Energy, Interior & Municipalities, and Labor, as
well as Public Corporation for Housing, South Lebanon Water Establishment, and Establishment
of the Water of Beirut & Mount Lebanon.

OMT focuses on Corporate Social responsibilities:

1. Funding of Local NGOs Over the years, OMT has augmented its funding of native
NGOs, including the White Land Foundation, and the Children Cancer Center of
Lebanon. OMT lets anyone to contribute directly to the CCCL by money transfer without

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 any fees. The CCCL delivers free treatments and teaching to children with cancer in
Lebanon and the region. All of these free facilities are financed from donations.

2.      Stopping Scam and Laundering: that are the most mutual illegal acts OMT encounters.
Clienteles are guided not to send money to people of vague identity, or people they haven’t met
in individual in order to decrease the risk of being cheated. Money transfer actions are highly
checked so that any money laundering tries may be debunked.

3. Beirut explosion: after the explosion of the 4th of August that take place in Beirut, OMT has
the initiative to donate 5 000 LBP to those how are affect by the explosion. This donation is done
through each transfer locally, by that OMT donate from its cash 5 000 LBP. The amount donated
is placed in a box that will be distributed later on to the affected persons equally.

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Section 3: Organizational chart
Me. Toufic Moawad
Chairman of the
Board
Mark Mouarrek
Advisor to the
Chairman
Naji Abou Zeid Joya Moawad
Machnouk Hikmat Abou Zeid
Executive Board
Member Executive Board Board Member
Member

Hala Achkar Slaiby Joseph Abou

Human Capital Director Nader
ICT Director

Lucienne Jbeily El Dr. Rudy Keyrouz

Hachem Senior Marketing &
Corporate Relations Communications
Director Manager

Eliane Halout James Khoury

Khatcherian Senior Commercial &
Senior Finance Manager Growth Manager

Nassab Salloum
Senior Network
Operations Manager

Source: OMT – Beirut

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Chapter 2: My internships
Section 1: The tasks
OMT provides Local and international transfer money as well as payment bills.

I. Money transfer

1. OMT intra

OMT intra is way to send and receive money within Lebanon, either in LBP or USD. You can
transfer money even if you don’t have bank account. It is a secure and safe way to transfer
money in Lebanon when you want to help a family member in need, pay the education’s fees and
many more.

We have 6 types of senders and receivers:

1. Lebanese: who has Lebanese ID and Lebanese Passport

2. Palestinian: who has a refuge card
3. Syrian: who has an ID card
4. UN workers: who have an UN card
5. Resident: who has a residency card like the one who came from Ethiopia, Philippines…
6. Foreign people: who has a foreign passport
A. If you want to send money, you should follow these steps:

Step 1: Find an OMT that is close to you

Step 2: You should give to the agent the following:

 a form given by the agent that should be filled with the details of the money transfer
 A document that identify you. It vary based on the six types listed above.
 The full name of receiver
 The amount of money that you want to send it

When you sign the receipt, you will have an OMTN number and you should give to the receiver:

 The OMTN ( Online Money Transfer Number) that contains 12 digits

 Your first and last name
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  The amount of money that you send it
B. If you want to receive money, you should follow these steps:

Step 1: Find an OMT that is close to you

Step 2: You should give to the agent the following:

 The OMTN which contains 12 digits that was sent to you

 A document that identify you. It vary based on the six types listed above.
 Full name of the sender
 The amount that you are willing to receive

Step 3: you will receive the money

You should know the following conditions before sending or receiving money:

1. Intra OMT is prohibited to person under 18 years old.

2. You need a valid ID or passport or any card that identify you that hasn’t expired.
3. If you want to make an Intra OMT transactions you should pay the money in the OMT
only.
4. You can send a maximum amount of 5 000 000 LBP and 2 000 USD for each
transaction

The price list of Intra OMT are:

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 Figure 1: Local Money Transfer Price List in LBP

Figure 2: Local Money Transfer Price List in USD

2. Western Union

Western union is an easy way that helps transfer money overseas to more than 200 countries in
order to help family member that lives outside Lebanon, celebrate some occasions and many
more.

Every amount sent can be available for the receiver within minutes.

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 A. If you want to send money, you need to follow these steps:

Step 1: Find the close OMT

Step 2: you should offer the agent with the following documents and information:

 The money transfer that should be filled with a from given by OMT
 The ID or passport
 The full name of the receiver
 The destination country
 The amount that you want to send it

Once you sign the receipt and receive MTCN number you should provide the receiver with:

 The 10 digit MTCN ( Money Transfer Control Number)

 Your name and last name
 The amount that you send

Step 3: you can track the status of the transfer by going to the link below

https://www.westernunion.com/us/en/self-service/app/tracktransfer

B. If you want to receive money, you need to follow these steps:

Step 1: Find the close OMT

Step 2: you should give the agent the following:

 The MTCN given by the sender to you

 Your ID or passport
 The full name of the sender
 The country where the money was sent from
 The expectation amount

Step 3: you can collect the amount in USD only.

OMT deduct 2% from the amount received through Western Union.

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You should know the following conditions before sending or receiving money:

1. Western Union services is prohibited to person under 18 years old.

2. You need a valid ID or passport or any card that identify you that hasn’t expired.
3. Western Union apply exchange rates when you convert money to other currencies.
4. There is no maximum amount for each transaction, it depend on each country.
5. The amount received is collected in USD only.

The price list of western union are:

Figure 3: International Money Transfer Price List in USD

II. Payment

1. Bill payments

You can pay

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 a. Alfa’s and MTC’s bills by providing to the agent your number. The agent will tell you
the amount that you should pay but without knowing your name.
b. Ogero: you need to give to the agent your landline number. The agent will see your name
and the amount to pay.

2. Cash to Bank

You can pay your bank loans or your credit card by providing the agent with the number of your
account and the required documents.

OMT works with:

 Misr and Lebanon Bank

 Blom bank
 CSC bank
 BLC bank
 BSL bank
 AL Mawered bank
 Al Baraka
 Cedrus bank

Beside that you can pay the housing bank payments.

3. Cash to Business

Through cash to business you can pay:

a. Park meter: located in Zgharta, Batroun, Jbeil …

You should give the agent with:

 Number of the ticket

 Car’s plate number
 Depositor name

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 b. University Payment

You can pay the university tuition if you are a student in one of the following university:

 AUL
 LIU
 CNAM

You should have your university ID and reference in order to pay the tuition.

c. Business loan: Those organizations can pay a loan through OMT:

 Money
 Emkan
 Al majmouaa
 Al Ibdaa
 CST

They should provide the number of loan and fill a form given by the agent of OMT

d. You can also pay bills of wise, IDM

e. You can pay the tuition for the order of engineer in Tripoli and Beirut.

4. Cash Out: If you need to take a loan from Al Majmouaa or BLC, you can take it from
OMT. You should bring the number of loan, OTP and the ID card.

5. Ministry of interior and municipalities

You can:

 Apply to a policy record

 Take your ID Card. You should have a receipt, order number of the ID received by
message on the phone and the OTP
 Paid yellow ticket and radar ticket

6. Ministry of Finance

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You can pay:

 Mechanic
 Taxes and fees
 TVA
 Built property tax
 Fees on renewing car’s plate. You should pay it first before renewing the plate.

7. Lebanese water establishment

People who live in Beirut can pay the water Fee through OMT

8. Online brokerage

You can make an insurance for your car. It can be an obligatory insurance and insurance against
others. You should bring your car ID.

You can also make an insurance for the foreign workers like Ethiopians.

9. Ghobeiry and Beirut municipalities

People of Ghobeiry and Beirut can pay the municipality fees through OMT.

10. Online shop

You can:

 Buy ITunes card

 Google play cards
 Netflix cards
 Gift cards
 Wise internet card
 IDM internet card
 Terranet internet card

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  Sodetel internet card
 Xbox card
 PlayStation card

Beside the services of OMT, Smart way services is an Alfa and MTC point of sale and it sells
smartphones and its accessories.

Section 2: The result

Regardless of how the internship period was only for 3 months but it gained me lots of
experience and gave me the opportunity to work in the field of transferring money.

First of all it helped me to develop professional skills and build leadership skills, also to enhance
classroom learning. It has provide me references and contacts and help me progress to the next
stage of my career path more effectively.

This internship will allow me to gain experience of this first hand and develop my own
teamwork and interpersonal skills which will make me a more rounded and attractive candidate
for any employer.

I gained practical experience and learnt so much information and acquired so many skills from it.
Not only have I met different situation that has helped me is to understand the system work in the
OMT probably I am now ready to enter the professional life.
The difficulty that I had faced are when the internet is slow which make the clients wait until its
operation is done. To fix that problem I took all the information needed from the client and I will
tell him to go and come back after few minutes so it will be fast to make the transaction. In
addition when the shop is crowded so it make the work difficult. I will tell them to wait and I try
my best to finish each transaction. Another difficulty when a sender came and tell us that the
receiver can’t collect his money, so I will make a request and change his name and make another
transfer and cancel the old one. In addition when a client send a money to a wrong country by
mistake and he want to change the country, he should bring the receipt and I will make a request
and cancel the operation and after that I will make another transaction.
During my internship, I encountered two constraints: the first constraint is the difficulty of
adapting to the work environment since I acquired a new experience in this type of work which

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required a double effort. But after making a lot of practice I was able to adapt and work in a good
and right way. The second constraint is when a client came without his ID or with expired
passport and start making excuses. I would tell him that you are not allowed to make the
transaction so you want to change your ID or passport in order to make the transaction.

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Conclusion
As a conclusion, the theoretical study, even very thorough, is not sufficient alone. It must be
accompanied by a practical application where the need to do an internship
Three months at Smart Way Services made me an experienced student ready and prepared to
face the world of Business and its problems. No doubt how much I’ve gained at Smart Way
Services during these three months. I learned how to talk to customers, how to be patient, and
more important I learned how to make theories learned and studied during my three years at my
university applicable in my work and in real life. I’ve learned to do my job the best way I can in
the most professional way that could be.

Moreover, I learned to count on myself and believe in my skills and capabilities. Smart Way
Services helped me a lot to discover the world of Money and due to the help of everyone.

These internship at Smart Way Services will help me at my career and in my everyday life. It
only improved me to be a better person and to be more productive in my work and never to
surrender. I definitely know now that the field I chose is what I like the most and what I hope to
do in my career later.

Do not forget, the importance of respecting the law of secrecy and which contributes to the
confidence gained by the enterprise towards its customers.

Self-confidence is essential. Once it exists, it reflects a character respected by employees and

management thus deploying my quality of work, my productivity and my skills, in addition
always we must not mix affection with work and respect certain limits with customers.

It was an important experience that will impact my life and my career later on and I’m so glad I
did it and I received good comments from the manager and his assistant about my performance at
Smart Way Services.

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References
1. https://www.lorientlejour.com/article/1153945/situation-financiere-quelques-cles-pour-
comprendre-la-febrilite-actuelle.html, consulted 2 November 2020
2. https://www.omt.com.lb/en, consulted 12 November 2020
3. https://en.everybodywiki.com/OMT_Lebanon#Operations , consulted 14 November 2020

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