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  • 1. SECURITY PURSUANT TO ANY SECURITIES ACT OR REGULATIONS. THE INFORMATION IS NOT FOR PUBLIC USE OR DISSEMINATION AND IS STRICTLY FOR PRIVATEAPPLICATION BY THE PARTY TO WHOM DELIVERY WAS EFFECTED, SOLELY FOR PURPOSES OF INTRODUCING SAID PARTY TO A PRIVATE BUSINESS OPPORTUNITY. THISINFORMATION IS CONFIDENTIAL AND IS NOTTO BE DISCUSSED WITH, COPIED TO, OR DISTRIBUTED IN WHOLE OR IN PART, TO ANYTHIRD PARTIES WHO ARE NOT DIRECTLYINVOLVED WITH THE CONTEMPLATED TRANSACTION(S) UNDERLYING THE PROPOSED UTILISATION OF THIS INFORMATION. UNAUTHORISED DISCLOSURE OF THIS PROTOCOL FOR PRIVATE PLACEMENT/TRADING OF BANK ISSUED SECURITIESGENERAL GUIDELINES:For purposes of this document, the "business" of buying and selling of Bank issued, cash-backed orpre-paid Negotiable Instruments ("Securities") in the private markets, shall be referred to as "Trading".Chartered banks or licensed financial institutions (Securities Firms, Brokerage Houses) neveradminister Trading of the nature discussed herein. Trading is exclusively administered by PRIVATETRADING ENTITIES, at legally defined arms length from any bank or financial institution that islicensed to deal with the public. Banks and licensed financial institutions are strictly prohibited byregulation from buying or selling such securities either from or to one another, or directly into the"public" market place.No retail banker or bank officer will be able to confirm any Trading activity, nor will he be able toprovide any insight as to its mechanics, or even assurances that such a business exists. Most bankershave been correctly instructed to truthfully deny the existence of "Bank Trading" activities within thepublic sector. Hence any attempt to validate such information through a banker is pointless.Generally, it is equally as pointless to attempt to validate the Trading business activities within theBanks Private Banking divisions utilising conventional advisors such as lawyers, accountants, orsecurities brokers or anyone licensed to deal with the public. The majority simply do not know, and thevery few that do know, only know because they are working directly in the business and have beenbound by strict non-disclosure.The only method available to a QUALIFIED, potential private participant to validate the information isto proceed through the strict, private application protocol and review the information DIRECTLYFROM THE SOURCE. There exists no method for intermediaries or "brokers", or agents, or legal oraccounting advisors, or any "non-principals" to validate any of this information.Trading is always conducted in US dollar denominated amounts of $500Million or more (some limitedexceptions apply) and is highly regulated by the SEC, IMF, World Bank, Bank of InternationalSettlements, Federal Reserve, US Treasury and others. Recently, some Trading has been taking place inEuro-Dollars under the additional auspices of the appropriate Euro-Dollar regulators.Trading is also ALWAYS "project driven" by regulation. A potential Investor/participant may submitprojects for approval, or submit approved projects to a Private Trading Entity, or pre-approved projectsmay be supplied by either the Trading Entity or one of the regulating bodies for "pooled" trading onbehalf of smaller investors. Project profits are generally under the umbrella of large-scale"humanitarian" efforts; they may or may not be non-profit, and they are the primary provider offunding for loans to Third-World countries.
  • 2. SECURITY PURSUANT TO ANY SECURITIES ACT OR REGULATIONS. THE INFORMATION IS NOT FOR PUBLIC USE OR DISSEMINATION AND IS STRICTLY FOR PRIVATEAPPLICATION BY THE PARTY TO WHOM DELIVERY WAS EFFECTED, SOLELY FOR PURPOSES OF INTRODUCING SAID PARTY TO A PRIVATE BUSINESS OPPORTUNITY. THISINFORMATION IS CONFIDENTIAL AND IS NOTTO BE DISCUSSED WITH, COPIED TO, OR DISTRIBUTED IN WHOLE OR IN PART, TO ANYTHIRD PARTIES WHO ARE NOT DIRECTLYINVOLVED WITH THE CONTEMPLATED TRANSACTION^) UNDERLYING THE PROPOSED UTILISATION OF THIS INFORMATION. UNAUTHORISED DISCLOSURE OF THISTrading is only available to Private Investors that can prove: i) that they are a private, sophisticated Investor, at legally defined arms length from any bank and/or financial institution licensed to deal with the public; and ii) that they have a minimum of USS500M that they have legally earned, and that it is free and clear of any liens or encumbrances, which includes any blocking by the depository bank pursuant to its fractional reserve provisions. (This effectively means that they have been invited into the Private banking division of one of the major banks, where their money could be placed in a "repository" account with that banks permission.) iii) That they have an specified/variable minimum of funds that they have legally earned, and that it is free and clear of any liens or encumbrances, that may be required by a trading entity to top up a pooled trading effort or special project funding requirement. These are the programs that offer opportunities to investors with less than US$500Million.Privacy is a hallmark of the Trading business. Although banks do not directly participate in the actualTrading, they do play important facilitating roles. Firstly, a cooperative Private banker at a Transactionbank must be willing to "confirm and authenticate" your deposit. Secondly, the Issuing banks arelicensed to cause the "issue" of the Securities that are being Traded. The banks respective involvementis pursuant to their Class "B", or "Tier 2" Banking Regulations, which allows for it to be conducted"off-balance sheet", and therefore not subject to disclosure, or public reporting. In short, the role of theissuing bank, may be termed "its own private business", and is conducted with its own privateresources.Accordingly, and by virtue of the various regulations that prohibit the Trading business being availableto the public market, Trading Entities are also "licensed" and held to strict rules of non-disclosure.There are three basic reasons; i) to provide a measure of control insofar as keeping the information regarding Trading from the general public, and allowing the bankers to participate in THEIR OWN PRIVATE business activity; and ii) to protect the identity of the Trading Entity and to prevent it from facilitating the business for non-qualified parties; and iii) to protect the right to privacy of the Investor with regard to his private transaction.Terms and conditions of legitimate Trading Contracts, including potential profit margins are neverdisclosed to anyone but a qualified Investor. There exists no such thing as a "registered intermediary".An Investor must inquire of his own volition, and then only after he has been formally approved.Specific information is only supplied to qualified, approved Investors directly by a Trading Entity.This is an "invitation only" business, with very strict rules that are rigidly enforced by the "old boysclub" of the banking world. Banks routinely monitor accounts with balances over the requiredminimum of US$500M, and then when the market demands, they have their Trading Entities initiate
  • 3. SECURITY PURSUANT TO ANY SECURITIES ACT OR REGULATIONS. THE INFORMATION IS NOT FOR PUBLIC USE OR DISSEMINATION AND IS STRICTLY FOR PRIVATEAPPLICATION BY THE PARTY TO WHOM DELIVERY WAS EFECTED, SOLELY FOR PURPOSES OF INTRODUCING SAID PARTY TO A PRIVATE BUSINESS OPPORTUNITY. THISINFORMATION IS CONFIDENTIAL AND IS NOTTO BE DISCUSSED WITH, COPIED TO, OR DISTRIBUTED IN WHOLE OR IN PART, TO ANYTHIRD PARTIES WHO ARE NOT DIRECTLYINVOLVED WITH THE CONTEMPLATED TRANSACTION(S) UNDERLYING THE PROPOSED UTILISATION OF THIS INFORMATION. UNAUTHORISED DISCLOSURE OF THIScontact with potential Investors. Any representations or advice received from any party that is notDIRECTLY involved in a Trading Entity, such as advice as to Contract terms, conditions, potentialearnings, names of banks involved, names of Trading Entities, etc., is automatically deemed to befraudulent information supplied by unauthorised party(s), and will be deemed an "Inducement toContract" via an unauthorised public intermediary and place the party and the entire contemplatedtransaction in jeopardy with the SEC as a potential "solicitation of funds". The result is that theInvestor is permanently banned from dealing with ALL licensed Trading Entities.MECHANICS OF TRADING:All Trading Entities deal with "Transaction" banks and with "Issuing" banks, to facilitate these Trades.Qualified Investors always enter into a "three party Contract". The Investor, the Trading Entity and theTransaction Bank are parties to the Contract. The distinction between the Transaction bank and theIssuing bank is by regulation. The Transaction bank cannot act as the Issuing bank for example, and theIssuing bank must be at arms length from the other two parties.The primary role of the Transaction bank is to facilitate part of the Investor approval process for theTrading Entity, and to then act as the Investors fiduciary to ensure the absolute sanctity and security ofhis money. Bankers designed the "business", primarily for bankers and their own friends and familyrelationships. Hence it was originally designed with the utmost care as to security of their private funds.The global need for funds and the regulatory restrictions have since necessitated its expansion into the"non-banker" private investor market.The Investors money always remains in a "non-depletion" capital account in the Investors own namewith the Investor as the sole signatory authority. No other entity including the Trading Entity has anyauthority over the Investors money at any time. A proper Trading Contract will only allow the TradingEntity to do two things on behalf of the Investor regarding his account: i) inquire and confirm the balance of the account and the good, free and clear status of the funds; and ii) confirm that the funds are owned by a qualified arms length Investor, which is the primary regulatory pre-requisite to effecting a sale.The Contract allows the Trading Entity to "Trade" the Securities on behalf of the Investor, but never toactually use the Investors money to do so. (Leave it to bankers to craft such a transaction for their ownbenefit.) The mechanics of a Trade may be summarised as follows: i) Trading Entity confirms to Issuing bank that it represents a qualified private "Buyer" with US$500M; ii) Issuing bank causes its "Invoice" to be issued wherein it agrees to deliver its Security (Debt Instrument) upon payment, usually within 72 hours. For example, it may be a Note Payable at some future date, at an agreed "discounted" price, which price provides a profit to the holder of the Security at maturity; iii) Trading Entity then causes its "End-User" (Insurance Company, Annuity Issuer, Investment/Brokerage Firm, etc.,) to buy the Security Instrument by PAYING for the INVOICE with their own funds within the allotted 72 hours, at a discount less than that in the Investors Contract, but still profitable to the End-User;
  • 4. SECURITY PURSUANT TO ANY SECURITIES ACT OR REGULATIONS. THE INFORMATION IS NOT FOR PUBLIC USE OR DISSEMINATION AND IS STRICTLY FOR PRIVATEAPPLICATION BY THE PARTY TO WHOM DELIVERY WAS EFFECTED, SOLELY FOR PURPOSES OF INTRODUCING SAID PARTY TO A PRIVATE BUSINESS OPPORTUNITY. THISINFORMATION IS CONFIDENTIAL AND IS NOTTO BE DISCUSSED WITH, COPIED TO, OR DISTRIBUTED IN WHOLE OR IN PART, TO ANY THIRD PARTIES WHO ARE NOT DIRECTLYINVOLVED WITH THE CONTEMPLATED TRANSACTION(S) UNDERLYING THE PROPOSED UTILISATION OF THIS INFORMATION. UNAUTHORISED DISCLOSURE OF THIS iv) The Trading Entity then causes the Security to be electronically delivered by the Issuing bank to the End-User; v) The Investor, the Trading Entity, the Transaction Bank and the "Project" all receive their Contracted proportionate share of the profit, or spread between the two discounted price amounts, vi) The process was originally repeated weekly. Now it is daily and/or even multiple (4 to 5) times per day.Contracts also stipulate that all proposed purchases of Securities must be pre-sold to the qualified End-Users (rated AA or better) prior to an Invoice being requested on behalf of the Investor.Licensed Trading Entities will not enter into Contracts with any third party intermediaries or brokers,due to the potential for contingent liabilities, such as a lawsuit by a dissatisfied intermediary. Thereason for this is too obvious. It would hold potential to violate the privacy protocol the Trading Entityis regulated to uphold.CONFIDENTIALITY:The contemplated business is strictly a confidential business transaction between private Principals.The funds owner, or Investor is required to keep all information about the transaction and the parties toit in confidence. It cannot be discussed with friends, family, business associates, intermediaries, or anyso-called "Advisors", unless those advisors have been: i) pre-disclosed to the Trading Entity; and ii) duly approved/authorized by the Trading Entity; and iii) specifically retained by the Investor and pre-paid to provide legal and/or other counsel; and iv) can be held liable for the advice or counsel so offered; and v) conduct their review of the materials at the office of the Trading Entity under its supervision.Any violation of confidentiality by any Investor, or by any Advisor to the Investor is grounds forimmediate and permanent termination of discussions, or if the breach occurs during the course of thetransaction, then the transaction will be immediately and permanently halted and the Investor will besubject to forfeiture of any monies received to date of breach, and universally barred from all futureparticipation with all Trading Entities. An example of such a breach would be to in any way use theInvestors receipt of monies as "proof that they have been involved in Trading activities and thus asproof that they have "access" to a performing Trading Entity.PROJECT FUNDING PROTOCOL:This is a brief overview of the regulatory guidelines for the distribution of Profits earned pursuant toTrading Contracts. These regulations have always been enforced, since the inception of the TradingEntity in 1954. They are purposed to maintain the necessary underlying economic support, whichallows the business to continue successfully.
  • 5. SECURFTY PURSUANT TO ANY SECURrTIES ACT OR REGULATIONS. THE INFORMATION IS NOT FOR PUBLIC USE OR DISSEMINATION AND IS STRICTLY FOR PRIVATEAPPLICATION BY THE PARTY TO WHOM DELIVERY WAS EFFECTED, SOLELY FOR PURPOSES OF INTRODUCING SAID PARTY TO A PRIVATE BUSINESS OPPORTUNITY. THISINFORMATION IS CONFIDENTIAL AND IS NOTTO BE DISCUSSED WITH, COPIED TO, OR DISTRIBUTED IN WHOLE OR IN PART, TO ANYTHIRD PARTIES WHO ARE NOT DIRECTLYINVOLVED WITH THE CONTEMPLATED TRANSACTION(S) UNDERLYING THE PROPOSED UTILISATION OF THIS INFORMATION. UNAUTHORISED DISCLOSURE OF THISThe importance of the underlying Project is seldom understood by the private sector. Well-organizedgroups have formed what are typically referred to as Venture Capital Companies ("VCCs"). Thesevery select VCCs utilise this knowledge to seek capital and to seek out and format "approvedprojects". Many times these VCCs are affiliated with large non-profit foundations and they workhand-in-hand with the World Bank, IMF and other regulators, as unofficial "Agents".Regulatory provisions suggest that 80% of the gross earnings from a Trading contract must go tohumanitarian project funding. Projects may be deemed humanitarian simply because they provide jobcreation in an economically depressed region, or they enhance quality of life for underprivilegedpersons, even though the project itself, may be "profit-driven". In other words, not all humanitarianprojects are non-profit.Understanding the mechanics of the Trading helps to understand why these regulations are in place.You will remember that the "future" obligations of the Issuing banks are issued "off-balance sheet".This is in part due to the fact, that at the "present", or time of issue, the Issuing bank could not issue theSecurities on-balance sheet because they do not have the cash or assets to back the paper. They deemno equity to exist until it is cash-backed/paid for, thus only then is it placed on their balance sheets.They are allowed to issue them in the good faith that they will have earned sufficient to cover theobligation prior to its scheduled maturity. Originally the concept was designed for post-war reparationsin Europe, but has since been found by regulators and banks to be a very effective method to raisemoney for developing nations, and other approved projects (starting in 1954), providing at least 80% ofthe proceeds are put back into "public" circulation to "support the general economic growth andstability" of the economies being assisted. This in turn provides support to the Issuing banks, ensuringtheir earnings potential, and the stability of the currency. In short, if Investors hoarded all Profits, theentire banking system would soon collapse on itself.TRADING PROFITS:Pursuant to these same guidelines, 20% of the gross Profits (less Trading Entity and Transaction Bankfees) may be utilised to enhance the personal income or lifestyle of the project Investor. There are also"unwritten" codes that tend to limit the Investor personal gains to around US$5B for the "non-banker"crowd. This might give you some clues as to how a lot of well-known people actually "made" theirmoney.Trading is typically conducted on a highly leveraged basis. It is not uncommon for a Trading Entity touse multiple Issuing banks, or to leverage up from 4 to 9 times more in Trading "capacity", from anInvestors account balance. This leveraging is of such significance, that it is not uncommon for theinitial investment capital to be "replaced" with Profits within 10 to 20 banking days. This means that asavvy Trading Entity will renew a typical Contract with a new Issuing bank, at the same rate of returneach time this cycle has completed, without any requirement for additional capital, simply by using theoriginal Investors capital over and over again.The spread on Trading is virtually identical from one Trading Entity to another. The variances on priceare so competitive as to be measured in lOO^s of a point. For sake of a demonstration example, letsassume that the typical spread - the difference in the two discounted prices on a "Trade" (completedbuy-sell) is 2% of the face amount.
  • 6. SECURITY PURSUANT TO ANY SECURITIES ACT OR REGULATIONS. THE INFORMATION IS NOT FOR PUBLIC USE OR DISSEMINATION AND IS STRICTLY FOR PRIVATEAPPLICATION BY THE PARTY TO WHOM DELIVERY WAS EFFECTED, SOLELY FOR PURPOSES OF INTRODUCING SAID PARTY TO A PRIVATE BUSINESS OPPORTUNITY. THISINFORMATION IS CONFIDENTIAL AND IS NOTTO BE DISCUSSED WITH, COPIED TO, OR DISTRIBUTED IN WHOLE OR IN PART, TO ANYTHIRD PARTIES WHO ARE NOT DIRECTLYINVOLVED WITH THE CONTEMPLATED TRANSACTION(S) UNDERLYING THE PROPOSED UTILISATION OF THIS INFORMATION. UNAUTHORISED DISCLOSURE OF THISPROFIT ALLOCATION:Then lets also assume that because these transactions are electronic, that once the parties haveauthenticated the first Trade, then every subsequent Trade is conducted on "electronic auto-pilot",subject only to the electronic "clearing" and confirmation times within the banking system, resulting ina minimum of two Trades per day (typically they can do 4 per day). Even the Securities are "delivered"electronically. Lets also assume that each time the Profit cycle reaches the original amount, theoriginal Investor account balance will be re-Contracted with another bank (only one layer deep) andonly for a total period of one year.This then, would be a typical example:Initial Capital :US$500MDaily Profit @ 2% X 2 Trades :US$20M# days required to recover original Capital :25International Trading Days per year :200Total # of leveraged "investment cycles" per year :8Profit per cycle:Cycle 1 = 500M X 2 Trades X 200 days :US$4,000,000,000Cycle 2 = 500M X 2 Trades X 175 days :US$3,500,000,000Cycle 3 = 500M X 2 Trades X 150 days :US$3,000,000,000Cycle 4 = 500M X 2 Trades X 125 days :US$2,500,000,000Cycle 5 = 500M X 2 Trades X 100 days :US$2,000,000,000Cycle 6 = 500M X 2 Trades X 75 days :US$1,500,000,000Cycle 7 = 500M X 2 Trades X 50 days :US$1,000,000,000Cvcle 8 = 500M X 2 Trades X 25 davs :US$ 500.000.000Total Potential Annual Profit :US$14,000,000.000Total Annual Profit :US$ 14,000,000,000Directly to approved project fa), 80% ill SSI 1,200.000.000Balance :US$ 2,800,000,00050% of Balance to Trading Entity and Transaction bank :USS 1.400.000.000investor Net Return.{plus project equity/profit) ;US$ 1,400.000.000(280%)It should be noted that some Trading Entities will behave differently within the regulations. Forexample, some Trading Entities are directly linked to the World Bank and to the IMF, and as suchcannot allow Investor approved projects. Instead, they can only accept investments where the Investoragrees to a fixed Profit, and the balance is then utilized to fund World Bank and/or IMF projects, loans,etc.
  • 7. SECURITY PURSUANT TO ANY SECURITIES ACT OR REGULATIONS. THE INFORMATION IS NOT FOR PUBLIC USE OR DISSEMINATION AND IS STRICTLY FOR PRIVATEAPPLICATION BY THE PARTY TO WHOM DELIVERY WAS EFFECTED, SOLELY FOR PURPOSES OF INTRODUCING SAID PARTY TO A PRIVATE BUSINESS OPPORTUNITY. THISINFORMATION IS CONFIDENTIAL AND IS NOTTO BE DISCUSSED VOTH, COPIED TO, OR DISTRIBUTED IN WHOLE OR IN PART, TO ANYTHIRD PARTIES WHO ARE NOT DIRECTLYINVOLVED WTTH THE CONTEMPLATED TRANSACTION(S) UNDERLYING THE PROPOSED UTILISATION OF THIS INFORMATION. UNAUTHORISED DISCLOSURE OF THIS INTERNATIONAL CERTIFICATE OF DEPOSIT:Although the following information is not directly related to the forgoing, it may well be relevant to theEquity Recovery program.The "International Certificate of Deposit" (ICD) is a debt obligation of the issuing bank, tounconditionally pay the face amount of capital to the beneficiary of record, i.e., not the "bearer", atmaturity date, plus any periodic interest payments due during the stipulated term of the ICD, if any.The obligation to pay the stipulated amounts in the future, is supported by specific cash or other assets,held by the issuing bank in a segregated account and is guaranteed by the bank and not by the typicaldeposit insurance programs used for insuring retail banking accounts.The Instrument can be issued for any length of time mutually agreed upon between the issuing bankand the party putting up the assets to secure the instrument (i.e., the "assignee"), the owner/holder ofrecord, and it can be rolled over at maturity or surrendered for cash.The ICD cannot be transferred or assigned without first notifying the issuing bank and lodging thechange in the banks register.Generally, an ICD is used to convert restricted assets or dormant assets into a financial instrument,which can be more easily utilized in the financial markets, primarily as "collateral" for loans, orinvestment purposes. The ICD is often more readily accepted than other instruments such as BankGuarantees or Letters of Credit. More specifically, in transactions such as those we are considering, anICD can typically be an effective alternative when; i) Cash assets are on deposit within certain foreign banking systems which would normally not qualify for participation; or ii) Cash assets held in "restricted" or "special" accounts, which by their structure and limitations make it difficult to utilize the assets without providing unique education; or iii) The owner(s) of the cash assets are unwilling or unable to transfer the actual assets to the "Transaction" bank; or iv) The owner(s) of less acceptable financial instruments or volatile securities wish to use those assets to cause the creation of an ICD; or v) The owner(s) of certain "hard" assets, i.e. land, gold, art, jewellery, oil, etc., lodges those assets to support the creation of the ICD; or vi) Where an element of privacy and/or security of ownership related to the nature of the original assets is an issue or potential issue.The specific transaction (Trading) we are contemplating will require funds to be transferred to anacceptable Transaction Bank. The ICD is an instrument that meets all of the requirements to betransferred via S.W.I.F.T. to a non-depleting trust account, in the name of, and under the sole control ofthe ICD owner (which may be different by agreement with the Issuing bank, than the original assetowner/assignee). The transaction bank will provide the ICD owner with a fully responsible bankundertaking to return the ICD to the ICD owner before its maturity date, free of any liens orencumbrances, or claims of any kind.
  • 8. SECURITY PURSUANT TO ANY SECURITIES ACT OR REGULATIONS. THE INFORMATION IS NOT FOR PUBUC USE OR DISSEMINATION AND IS STRICTLY FOR PRIVATEAPPLICATION BY THE PARTY TO WHOM DELIVERY WAS EFFECTED, SOLELY FOR PURPOSES OF INTRODUCING SAID PARTY TO A PRIVATE BUSINESS OPPORTUNITY. THISINFORMATION IS CONFIDENTIAL AND IS NOTTO BE DISCUSSED WITH, COPIED TO, OR DISTRIBUTED IN WHOLE OR IN PART, TO ANYTHIRD PARTIES WHO ARE NOT DIRECTLYINVOLVED WITH THE CONTEMPLATED TRANSACTION(S) UNDERLYING THE PROPOSED UTILISATION OF THIS INFORMATION. UNAUTHORISED DISCLOSURE OF THISAn ICD is a relatively common and accepted instrument within international banking circles. Thefunds/asset owner should therefore approach the international department of their bank and negotiatethe terms under which the bank would issue such an instrument against for example, an "EquityRecovery Contract".The bank will be interested in what assets are available to "back" the instrument, how the bank canarrange their custodial control (as opposed to ownership) of those assets within a segregated account,what percentage of the asset value will be used for backing the ICD, what fees might be charged forthis service, and what interest rate if any, would the ICD bear (a zero percent rate is possible whichmay reduce the cost of acquiring the ICD).The minimum face amount necessary to participate in the contemplated Trading transactions at thistime is USS500M. This amount may increase without notice. Depending on the credit worthiness of theissuing bank, an ICD may have to be for a slightly higher amount to cover any "contingent" liability ofthe issuer deemed to exist by the transaction bank.