TABLE OF CONTENTS

1. Overview 2. Background 3. Nature of the Investment 4. How it Works
5. Risk and Risk Management 6. Investor Funds 7. Why do banks issue MTNs? 8. Why the BIIP Industry Denies Its Own Existence
9. Costs 10. Q & A 11. Unsurpassed Relationships 12. Rules of Participation
13. Preferred Platform Programs 14. TERMS 15. FEES 16. Procedures
17. For Those Who Wish to Be Intermediaries
FOR INFORMATIONAL PURPOSES ONLY
As Covered Under International Chamber of Commerce (ICC) Uniform Customs and Practice for Documentary Credits (UCP 600)

- CONFIDENTIAL & PRIVATE, NOT FOR PUBLIC USE –

 

Private Placement Platforms In the Bank Instruments Investment Programs (BIIP)

 

Required Legal Disclaimer:  Admittance to these programs is by invitation only.  They are not open to the public.  This is not an offering of securities.  Brilliance in Commerce is not United States Securities Dealer, Broker, US Investment Adviser, Financial Planning Firm, Accounting Firm, or Law Firm and does not offer legal, tax, investment, or accounting recommendations. Nothing contained herein should be construed as legal, tax, investment, or accounting advice. We do not sell investments.  We do not and will not provide personalized investment advice.  We only offer research in wealth-enhancement ideas and financial education and publish opinionated information about finance and trading in which we believe our subscribers may be interested.  THIS IS NOT CONSTRUED TO BE A SOLICITATION, NOR AN OFFER OF ADVICE, NOR SECURITIES - as covered under International Chamber of Commerce (ICC) Uniform Customs and Practice for Documentary Credits (UCP 600).

 

 

Overview

 

The terms “International Fiduciary Trades”, “Private Placement Platforms”, and “Bank Instruments Investment Programs” represent a private category of investments that are not available on the open market.

This special type of Trade is part of the process that brings International Bank Instruments from the Primary Market to the Secondary Market, usually involving Medium Term Notes (MTNs).

These are private and by “invitation only” investments from the world’s largest and most reputable banks. These are unlike any other investment because the returns are not speculative but are contractual, thereby making them immune to negative public market conditions.

Trading does not take place in the US, but occurs primarily in Europe (London, Zurich, Geneva) and Asia (Hong Kong, Singapore) among top-tier, AAA rated banks such as JP Morgan Chase, Credit Suisse, Citi Group, HSBC and others. They generally are only available to Ultra High-Net-Worth Individuals or qualified Institutional Investors and because they occur at the upper echelons of the world financial system they are not available to the general public. For this reason most Financial Planners and Financial Advisors are not privy to these investments.

The returns can be contractually as high as double-digit monthly returns and the capital is not put at risk in the trading. With properly structured programs, the Investor's capital never even leaves their own bank account as the investor is acting only as a 3rd party investment partner for the banks.

Banks cannot legally trade their own funds. Therefore, to satisfy the rigid International Banking Regulations that govern this process, the banks must have 3rd party investment funds sitting on their balance sheet at the time of the trades, even though the money is never technically used.  Trade proceeds are usually disbursed weekly, over a 40-week period (international banking weeks over 12 calendar months).

These are regulated by strict guidelines established by the International Chamber of Commerce (ICC), the Federal Reserve, European Central Bank, the Bank of International Settlement (BIS) and both Traders and participating financial institutions require special licenses in order to participate.

A cash investor with sufficient capital can bypass the traditional smaller “Middle Man” Trade Platforms and participate directly with the Bank Trade Desk, receiving a contract on bank letterhead, with full banking responsibility. Intermediaries in the form of a Program Manager and a Facilitator serve to pre-qualify investors, answer their questions, and get all the necessary compliance documents.

Due diligence is undertaken by the Investor once they have passed compliance and have received the contract from the Trader stipulating the terms and procedures, on bank letterhead, with full banking responsibility. This gives the Investor full transparency and makes due diligence very easy. The serial number of that contract and the banking license of the Trader can easily be verified by the Investor's own banker. After reviewing the contract and performing banker due diligence, the Investor then decides if they want to move forward or not.

 

Background

 

The “United States Department of the Treasury” (US Treasury), fulfilling its responsibilities under the Bretton Woods Agreement, developed the Medium Term Note (MTN) by employing established European financing methods through which banks and financial institutions commonly finance long-term loans by selling Letters of Credit or Bank Notes of medium term to provide funding for loans.

The MTN bank issues are debt instruments that are legally allowed to be excluded from the debit side of their ledger or "off-balance sheet", but count towards the bank's capital reserves. Funds received by issuing these instruments rank at equal rate with depositors accounts, but these are long-term “contractual obligations” and as such are allowed to be listed in the footnotes instead of on the balance sheet.

As banks have the ability to borrow funds on a leveraged ratio against their capital reserves, in order to engage in fractional reserve lending, this method of financing can be very profitable.

In the post-World War II era, the Bretton Woods Agreement created a stable international financial system and a mechanism to finance macroeconomic projects to re-build parts of Asia and Western Europe. The US Treasury and the “Federal Reserve System” (Federal Reserve) developed an instrument that may be traded to create new credit and that credit would be used in specific approved macroeconomic projects, allowing such funds and credit to be applied in geographical areas requiring credit and cash infusions to survive and grow.

While that understanding or intent remains true today, it is no longer always a necessary requirement to involve an economic project / humanitarian project. Investors can engage in either wealth creation or project funding, depending on the client's goal and the terms of the trade program.

The contracts to purchase and sell these MTNs are managed and/or approved by the US Treasury, and are administered by prime US and European bank syndicates.

The US Treasury or the Federal Reserve may price these instruments at whatever price is necessary to provide the needed new credit in the geographical location or for the project(s) for which they have been approved.

Not all applicants or projects are approved. Both the applicant and the funds that will be used to purchase and sell the financial instruments must be screened according to US Patriot Act and Anti-Money Laundering (AML) Guidelines and their European equivalents.

Generally, there is just one Principal (or Asset Provider). That Principal is the owner of the Funds and the Principal is the applicant to the “trade desk”, which must also have the approval to trade from the US Treasury or the Federal Reserve.

 

Nature of the Investment

 

These programs are a very low-risk opportunity for an “Investor” who can provide a cash deposit, Bank Guarantee (BG), or a Standby Letter of Credit (SBLC) for a minimum of 500 Million Euro (€500,000,000), 500 Million USD, or in some rare programs, an absolute minimum of 1 million USD.

This deposit or Bank Instrument (BI) allows the trade bank to release credit facilities for the trading of MTNs. The notional returns to the Investor/Asset Provider are generally expected to be over 20% per month. This expectation is based on the track-record over the last decade. However, returns are contractually agreed upon by the Asset Provider and the Trader before the trading begins, and can vary on a case-by-case basis.

For Investors who do not have 100M Euro there is the possibility to do a wealth-accumulation “bullet trade”. These are for Investors with a minimum of 1M Euro or USD, and the trade proceeds are paid weekly, in order to help the investor get to the 100M Euro level more quickly.

The Investor's capital is not put at risk in the trading.  The Investor’s capital is  used  to trigger a credit line for the bank. The credit line is fully underwritten by the bank before it can be triggered, thereby guaranteeing the Investor’s money will never be collateralized.

The investor's capital is not physically involved (prohibited use) with the buy and re-sale exchange activities generating the profit. Fiduciary Trade capital always sits in their own back account, without liability of lien, encumbrance, transfer of control or subject to first call by anyone, and only serves as a security pledge under contract to a trader.

The trader uses this pledge to trigger his own credit facility under contract with his trade bank, which extends a conditional leveraged credit line against the sum total of his capital contracts with Investors. The bank protects the Investors account from call in that the credit facility used for the purchase of securities is subject to bank responsible confirmation of a "closed book" sale only.

The trader must have confirmed evidence of contracts with exit buyers (closed book) for the securities before the bank will release the credit line. The sale itself is managed and scrutinized by the bank at all times, as their funds and license are exposed.

In other words, the investor's funds are not directly involved in the buy/re-sale transactions. The Investor's cash deposit, as a security commitment, is non-callable and not subject to loss liability because of the terms and conditions of the credit line facility in which the transaction re-sale funds are in place prior to release of the credit line.

 

How it Works

 

Successful trade programs, besides having unique access to established bank lines-of-credit, require the expertise of qualified licensed traders capable of engaging in the purchase and sale of investment-grade bank debentures in the wholesale market. Traders are licensed by European regulatory agencies, and trades proceed according to strict procedural and legal guidelines. Under present rules, traders cannot use their own assets to trade. This is why third-party investors are necessary.

This trading operation is generally referred to as a "controlled", "managed", “closed” bank debenture trading effort because the Supply Side of the financial instruments and the Exit Buyer for the financial instruments have already been pre-arranged and the price of the instruments already established. In other words, the licensed traders contractually manage the buy and the re-sale of the financial instruments before any trading actually takes place, thus the term, “Managed Buy/Sell”.

Therefore, each and every completed trade will result in a net gain (and never a net loss) to the trader. The following procedural protocol are normally be followed:

  • The investor’s funds are never touched (funds verification only).
  • Targeted 30% yield per tranche to clients (maximum allowable by authorities).
  • Four tranches a week - with settlements on Friday – there may be multiple trades on a given day.
  • No Powers of Attorney.
  • No surprises (the Investor/Asset Provider is to be a Signatory to the Buy-Sell Trading Contract).

The crucial distinction, however, is that under a properly managed “buy-sell” transaction, the Investor does NOT transfer any funds to an intermediary escrow attorney or trader, nor are the funds required to be pledged or subjected to a lien.

When moving a MTN into the secondary market, through trading,

  1. Master Commitment Holders are first in line;
  2. Commitment Holders are second in line;
  3. The secondary market comes after that.

A newly issued or “fresh cut” instrument is issued by a bank at a steep discount to face value, for example 58% of face value. It can only be purchased by a Fed authorized Master Commitment Holder, who has a certain quota they have to fill annually in order to keep their Fed appointment.

They line up a number of Commitment Holders who have the exclusive right to purchase these MTNs from the Master Commitment Holders, each in smaller volume and at a slight markup. This is the popular business model of “buy wholesale, sell retail”... buy wholesale in bulk, then sell in smaller quantities at a higher price.

These Commitment Holders can then sell it as a live seasoned instrument into the secondary market, at 98.5% of face value or similar. The resulting spreads can be substantial. They get contractual commitments from the exit buyers before the initial fresh-cut transaction with the Master Commitment Holder is ever triggered.

It is all done digitally... authentication, verification, invoicing and close-out can be done in seconds, using Bloomberg or similar.

Again, BIS regulation is that banks cannot sell their authorized issues to each other, which is where the third-party Investor comes in. The Investor is the key for the trader to unlock the credit line from the trade bank.

The traders who do these trades use credit lines from banks, but the credit line has to be fully underwritten before it can be triggered. In other words, the trader must have confirmed evidence of contracts with exit buyers for the MTNs, what they call a “closed book” before the bank will release the credit line. This is risk-free arbitrage . . . the simultaneous purchase and sale of the exact same asset, at the exact same time, but at different prices.

The trader keeps a large percentage of that profit and shares the rest with the investor, based upon their contractual agreement.

Payouts are usually weekly. Returns are contractually agreed upon by the trader and the Investor, based upon what paper issues he has lined up, and it is usually listed as a minimum or as a “best efforts” basis. Facilitators can only state “notional double digit returns per month” and must let the trader disclose to the Investor if it ends up being higher, sometimes as high as 100% per month. Facilitators are not allowed to specify returns, as that is privately contracted between the trader and the Investor, after the Investor passes AML compliance.

Because of the high returns, investors with large sums will eventually reach the Wealth Accumulation threshold and will be required to engage in Project Funding, which requires them to donate around 80% of their profits to an economic project (can be as low as 40% or as high as 95%), as non-recourse project funding. However, traders are allowed to make more profit per trade if the client engages in project funding, and because of this higher profitability per trade, the net profit to the Investor can be about the same if they do Wealth Accumulation or Project Funding.

The Federal Reserve requires an accounting of those project funds so that they are released only against certified invoice by the accounting entity. United Nations approval is also necessary for most projects. We have a United Nations Advisor available to fast-track this process.

Experts are also available to assist in helping qualified applicants access Pre-Structured Humanitarian Projects to fit the precise and rigid guidelines covered by International Banking Law and the United Nations.

 

Risks and Risk Management

 

There should be no material risks to the cash deposit or BI, given that the absolute priority is the preservation of its value and that the BI remains under the control of the Investor at all times.

Since the cash deposit or BI is required to be a top 25 bank, there is nominal Financial Institution risk, should there be a bank bail-in. However, these trade programs only occur among top 25 banks with AAA credit ratings, which is better than the US Federal Government, and the US Treasury  is considered to be the “risk-free rate”.

 

Investor Funds

 

Funds have to be of commercial origin, free of any liens or encumbrances. During the term of the Bank Trade, there cannot be any withdrawal of funds from the Client Account, nor shall any loans, credit lines, pledges, hypothecations, liens or encumbrances be placed against it. The cost of doing business is the opportunity cost of that capital just sitting there, not being deployed into other investments.

Institutional investors such as U.S. pension funds are prohibited under ERISA from purchasing anything that is not on-screen (anything other than live MTNs or registered securities which are screen able). A fresh-cut MTN can only become live or seasoned after its title changes and it receives an ISIN or CUSIP number, and it is registered for screening on Bloomberg or Reuters.

MTNs pay much higher yields than US treasuries, a 10 year MTN can pay 7% to 8% whereas the 10 year treasury is only around 2% to 3%, and the MTNs from the top banks have AAA credit rating, unlike the downgraded credit rating of the US treasuries.

The secondary market is dominated by institutional buyers, like pensions funds, sovereigns, and foundations, who buy-and-hold until maturity while collecting their annual coupon interest. They have to match cash outflows with cash inflows, and this is a reliable way for them to be able to do that, without the volatility of market speculation in equity markets. These are part of their conservative allocation, while equities and private equity funds are part of their riskier higher- yield allocations.

 

Why do banks issue MTNs?

 

Banks issue MTNs because they can leverage the funds 10:1 and loan it out at interest for 10 years, turning a hefty profit. Below is an illustrative example...

1: Full Face Value of MTN Issue (FFV): 10 Billion Euro 2: Sell at 58% of Face Value:

5.8 Billion Euro

3: Coupon value at 7.5% per annum: 7.5 Billion Euro 4: Liability (Point 2-{1+3}): -

11.7 Billion Euro

5: Leverage at 10:1: - 58 Billion Euro

6: Interest by bank at 3% per annum on Point 5: 17.4 Billion Euro 7: Profit made by Bank (Point 4+6):

5.7 Billion Euro

 

Why the BIIP Industry Denies Its Own Existence

 

Using the phrase ‘Bank Instrument Investment Programs’, in 2019, Google found several top sites (first page of hits) including that of the SEC to deny that such BIIP programs exist — but not only that the high returns don’t exist but they are outright frauds.

Potential clients may ask these questions first after presentation of the materials — as they may search online to gather more information.

So the first thing that newcomers need to realize is that the only BIIPs to favor are those where the investor never turns over control of his money to anyone else.  100% of the scams have been where money changed hands.  If the principal capital never changes hands, it is impossible for any BIIP administrator to steal it.  Very simple.

The legitimate programs provide this gold standard of investor control of his principal.  He can see well in advance of entering such a program that there is never any requirement to relinquish control of his funds or move them to anyone else’s account.  And the best BIIPs put no block, no lien, no encumbrance, no assignment, and no added signatory on the funds.  All of this an investor can see ahead of time, in the communications with the intermediaries, program managers, and in the contract.

This gives peace of mind.  It demolishes the claims that all BIIPs are scams.  How can a scam even be possible when the principal capital never leaves its owner’s control?

This being the case, then why is the industry allowing itself to be misrepresented like this by the government and official financial websites and publications?

The reason is crystal clear.  It is a private club.  It is elitist.  It is an inner circle.  It is not exactly “secret”, but it is very much low-key and “quiet”.  It has to be, because if it were allowed to be publicly broadcast, can you imagine the turmoil and implosion effects it would have on the world economy?  Billions and trillions of dollars would pour out of the high-risk stock and bond markets and even real estate, and into the BIIPs.  And let’s face it, the instruments traded in the BIIPs are based on these other markets.  So if it were to allow itself to be too well known, and to be widely endorsed, it would end up sabotaging itself by collapsing the very markets on which its instruments are derived.  Therefore it has been mandatory for the industry to surround itself with a smokescreen of self-denial.  Only the privileged few who are somehow fortunate enough to be initiated into it know the true reality of it.

An interesting story illustrates all this.  A former three-term California State Senator and prominent American attorney had his principal offices in Geneva, Switzerland and Sacramento, California, and served as Chairman of the Board or CEO of several corporations.   He had satellite offices in London, England; Melbourne, Australia; San Jose, Costa Rica; Shenyang, China; Johannesburg, South Africa; and Trivandrum, India.  As a result of his expertise in global matters, he also served as international advisor to the California State University School of Business & Economics.

During his three terms as Senator, he was Chairman of the Senate Judiciary Committee, Chairman of the Business and Professions Committee, Vice-Chairman of the Public Utilities and Energy Committee, and a member of both the Senate Finance and Banking and Commerce Committees.

Without divulging his name, to protect his privacy, it is important merely to realize that someone with these credentials and accomplishments became a believer and participant in the BIIPs.  But it was not always that way.  It all started when a wealthy Middle Eastern oil family approached him in Switzerland.

They informed him that they were committing some very large funds to a special private program that contractually promised they would stay in control of their principal capital and never relinquish it to anyone else.  All they wanted the former senator to do was to study the contracts and confirm that this freedom from risk really was true.  They wanted to avoid being tricked.  They wanted absolute confirmation that the absence of risk was real, and they were willing to pay generously for this advice.

When he saw that they were getting into a BIIP, he informed them that “no such programs exist”.  He informed them that it had to be a scam somehow.  But they countered with a bold assertion that they were not seeking his opinion on the reality or the legitimacy of the program.  They were only retaining him to perform one thing: to make sure that their capital would never be placed at risk.  They did not care about his personal opinion as to whether the program was valid.  And they were offering a large retainer fee to him for this service.

Thus he agreed, still arguing that the program wasn’t real.  As a condition for his service, he required that he be given access to view the screens showing their funds AND the returns - - if any - - on the investment.  They agreed.  Thus first he fulfilled his commitment to make absolutely sure that their funds would never be placed at risk.  He analyzed all the arrangements and became satisfied of this.  Hence they entered the program and the trading commenced.

Lo and behold - - the returns began materializing.  He could see them coming in on the bank screens.  The returns quickly exceeded the amount of the principal, thus demonstrating that there had to be a genuine huge source of profits somewhere.  He was shocked.  Furthermore, he was paid what he called - - in his words - - “a rather princely sum” - - for his asset protection legal services.

This initiated him into the BIIP industry.  He then became an enthusiastic supporter of it.  He became a principal participant in it with his own money, and a facilitator for other investors.  He then clearly understood why he had previously bought into the public party line about the nonexistence of the programs.  He understood the need to keep it quiet.

Newcomers also often want to see or hear of a testimonial of someone who has already made the high returns claimed.  Testimonials exist, but only if the newcomer happens to know someone who has experienced a genuine BIIP, or at least knows someone who knows someone.  It goes without saying that BIIPs cannot be advertised, because that would violate the “keep it quiet” mandate.  Since they cannot be advertised, that means the offer of testimonials of satisfied customers would also be out of the question.

Since the industry is so highly profitable for the insiders who are in it, it is rare that it ever needs to seek newcomers to come in and provide their capital on the books, based on which new credit is issued which is used in the trading.  With this being the case, it is the newcomers who need the BIIP administrators - - not the other way around.  The BIIP program managers don’t “need” new investors.  That is why all legitimate BIIPs state that they are “by invitation only”.

So being, newcomers who have the “prove it to me” attitude only cause amusement to the insiders.  They are left behind to live in their own skepticism and are deprived of the benefits of the BIIP.

Thus you can see that the entire industry operates by word of mouth.  It operates by someone knowing someone who privately informs someone.  Those who have this good fortune can get initiated into it, but if they have the “prove it to me” attitude, they will be passed up.  They are not needed.

Two things ameliorate the requisite amount of faith in the reality of a BIIP that is therefore required for a newcomer to be open to it:

  1. the proven-up-front absence of any risk to his principal capital; and
  2. hopefully, personal acquaintance with someone who can vouch for the program’s performance.

At least the first source of confidence is always available in any real BIIP.  The second depends upon each newcomer’s personal relationships.  In the absence of that, he just has to give it a try and see for himself if the performance manifests.

 

Costs

 

The Asset Provider is not required to make any upfront fee payments. Because these are International Fiduciary Trades, made by invitation only, under strict non-solicitation rules, it is customary to have facilitating intermediaries involved in the introduction. Those intermediaries are compensated with a small referral fee (usually 1% to 2%) paid out of the trading profits by the Paymaster, before net profits are distributed to the Asset Provider.

Q & A

Please type in one key search term per search query

PPP


This is a good question and is one that some others have asked.  It is appreciated that less professional brokers of PPPs have been known to shop investor paperwork around, looking for acceptance at a platform.  Then the investor starts receiving calls from unknown parties who have received his private information.  Naturally this would be very unsettling. Thus please consider the following points.

  1. The first thing to realize is that absolute privacy is already nonexistent, before even coming to us.  Credit data on just about everyone who has a credit history is already available on the underground dark net.  Intelligence agencies already have everything about everyone in real time.  Any money of any significant size is already showing on screens, along with everything about its owner.
  2. We are not a broker chain and we do not shop investor KYC forms.  Our partner, who vets investor forms before submitting them to the trade team, has an MBA from The Wharton School of Finance and a Masters from The Lauder Institute of Management and International Studies, plus over 10 years experience in Alternative Investments.  We are professional in our handling of confidential information and we guarantee the nondisclosure, non circulation, and protection of all proprietary investor data.
  3. The most sensitive information is not requested in the initial intake documents.  That is only requested later, after the contract is signed, and it only goes directly to the trader.  It is never needed by the compliance officer or the intermediaries.
  4. The client’s Social Security Number is not required.
  5. Most owners of substantial capital, such as $10 million or more, know that they should never deposit it at the ordinary street retail level of a bank, facilitated by the lowest paid bank clerks.  That raises some small risk of fraud and attempted theft by such employees.  Rather, most high net worth owners of capital do their banking at higher levels of the institution, typically called private banking, where much greater security is routine.
  6. In the PPPs, since the cash deposit or BI is required to be a top 25 bank, there is nominal Financial Institution risk.  These trade programs only occur among top 25 banks with AAA credit ratings, which is better than the US Federal Government, and the US Treasury is considered to be the “risk-free rate”.  In addition, our particular recommended PPPs ONLY operate on Tier 1 platforms – – meaning we deal directly only with the highest of the high level traders.  Not only are they of the highest integrity, but they also have the greatest proven credibility and reputation in the industry.  They stand to gain endlessly more success by continuing to honor the client’s rights, and they have the most to lose by not doing so.
  7. It is suggested to obtain and use a Protonmail email address with us.  Protonmail has the most invulnerable email encryption in the world and protects email attachments as well, but only if the email is between one Protonmail user and another.  For further reasons why we use this medium and the link to obtain your own account, see https://brillianceincommerce.com/protonmail.

In a word, yes.  References of satisfied customers are not allowed due to the privacy, confidentiality, and nondisclosure, but we have been seeing successful completions of these program payouts since the 1990s, including currently and presently.  So YES, clients are currently getting paid and the cash is flowing.


Yes.  Here is the list of acceptable banks – https://accuity.com/resources/bank-rankings


It varies from account to account.  If the investor put in $100M or more, it can be pretty quick, like within one week.  If he is putting in less than $100M, then the lesser amounts have to be aggregated before entering into trade.  It is unpredictable how long that will take, but it is generally under one month. And when we say “aggregated”, remember, they’re not touching the investor’s principal; but they still have to aggregate the 1:1 lines of credit issued on the basis of the investor’s capital committed.


The possibility of this is more answered on your side than on the trading team’s side.  The reason for this is that no, the trade programs do not allow pools. They also do not allow borrowed funds.  So a group of investors could be assembled and their funds could be pooled in an LLC or corporation, but it would be illegal to inform them that their money is going into a BIIP.  It would be illegal to advertise it. It would be illegal to tell them that their principal capital is guaranteed or that the returns are guaranteed. This is because the trade platform does not accept pools and will not be responsible to multiple parties.  Therefore what investor would put up any money under conditions like that? “We can’t tell you what your money is being invested in, and we can’t promise any guarantees on it.” Nobody would be interested in a deal like that. One LLC director or corporate president can serve as the signatory on the funds in that corporation, but remember, the trade platform require proof of history of funds – – where the funds came from.  If it is revealed that the funds came from smaller contributors who are expecting a return, the fund will be rejected. Only a single lump sum of capital controlled by a single signatory, or maximum two signatories, is permitted.


That’s because the table in the spreadsheet was converted to a chart and was included in the text herein, inter alia, at https://brillianceincommerce.com/private-placement-platforms.


Yes, the investor can stop at any time.  He can remove his capital at any time. If he does, of course the returns will stop and most likely he will never be invited again in the future to participate, unless he had a really good reason for terminating, such as some kind of major disaster beyond his control, creating an emergency that merited the urgent need for the funds.


Yes, you can download it at this link: https://s3-eu-west-1.amazonaws.com/f3files/GENO-Tempate.docx     It’s a 1-page Word document.


Russians may participate, and if they have over 100M in Sberbank, there is a platform that can work with that.  We’ve never heard of any other Russian banks being accepted, though.


North Korea and Iran are excluded from participating in these trade programs, as are their citizens.


The company can be a C-Corp or LLC or Trust or Foundation . . . as long as they have a Board Resolution appointing the signatory on the bank account to represent the company, as worded in the Corporate KYC template, that is fine.


That depends upon how many intermediaries there are.

        There are usually 5 points to split between us.  We generally split that 5% equally. So if you are direct to the investor, that means there are three of us.  5% divided by 3 = 1.67%. So unless there is a variation on the particular deal, your percentage would be 1.67% of the total the investor receives, each time he receives it, if you are direct to the investor.  It is not deducted from the investor’s amount.  It is just calculated on his account.


Intermediary fees are paid out of the Investor/Client’s portion of the trade proceeds.  The investor is not responsible to pay them. If is is a standard 40 week trade contract, the intermediary commissions are paid directly by the platform.   However, in special situations, such as in compounding arrangements, the investor-client becomes responsible for paying the intermediary fees.


A bullet trade is a lump sum payment, one time.  A 40-week trade goes for 40 weeks and is usually paid weekly or biweekly.  Bullet trades only become available a few times per year. Some pay in 24 hours; some pay in 10 days, and some have a 40-week contract that go with them.  Meaning, that it may pay a lump sum payment in a few days or week, after which the proceeds can be added to the capital committed to the program for a 40-week contract.  Keep in mind that the details of deals change every week, so it is impossible to predict in advance exactly what kind of deal your investors will get. Generally the larger the investor’s capital, the more choices he will be given.


We have signed hundreds of NDAs since the 90s and had client sign them, but have generally found that they’re not worth much.  It’s really up to you. But if it is for the purpose of avoiding circumvention, don’t worry about that. The trade team itself includes non-disclosure and non-circumvention in its own contracts signed with the investor.  In other words, the investor is required to agree to non-disclosure by the trading team itself – – which the investor will respect a lot more than one from you, because he will be getting his money from the trade team. To ask him to sign one with you may not do much good, and it would be redundant, because the investor is already under non-disclosure with the trade team.


Intermediaries get signed into the deal that the investor-client agrees to with the trading team.  First the intermediary makes the introduction and lets the client submit his KYC intake documents. Then if he is approved and invited, all intermediaries will be brought into the documentation at that point.


Any time you are ready.  The bankers usually take their vacations in August and from mid December to mid January.


Some other clients with 100M+ Invested


https://www.investopedia.com/terms/s/secondarymarket.asp   The secondary market is the public market, for stocks in US that’s the NYSE, and companies have to IPO onto the NYSE.  For Medium Term Notes, Euroclear lists the MTN in the secondary (public) market.


Anybody with enough money can buy MTNs listed on Euroclear.


An individual, trust, or corporate entity is fine.


Intermediaries are not part of the NDA nor the Contract / Investment Agreement and as such are not supposed to know the details of the contract, but if they do, they’re still not supposed to disclose it.  An intermediary can discreetly show payment of their intermediary fee, since they are not part of the NDA, but they cannot disclose the name of the Platform nor the name of the Client/Investor.


Only working intermediares should be listed on the GENO . . . everyone else should be covered by the working intermediaries under a sub-fee agreement.  Working intermediary means they’ve spoken directly with the client and are actively involved in getting the file able to pass Compliance.


Yes


Trustee info should be listed if a trust, or corporate officer info should be listed if a Corp.


Yes, except their EIN and banking info will be requested by the Paymaster at the appropriate time.


Master Commitment Holders and Commitment Holders are Investor/Clients.  If trading is on a best efforts basis, then the Platform/Trader usually splits the GROSS trading profits with the Investor/Client 50/50, then the Investor/Client pays any fees out of their gross 50%.  Total distribution of profit per tranche: 50% to Platform/Trader, 50% to Investor/Client. Of the 50% GROSS to Investor/Client, the Investor/Client NETs 85% of that (85% NET), because of the typical fees of 10% PPA for Platform Fees (bankers and attorneys), and 5% to Intermediaries.  However, when the Investment Agreement lists a contractual return, the Platform/Trader just pays the Investor/Client the stipulated amount and keeps the rest, regardless of what the Gross trading profits per tranche were, and then the Investor/Client pays the 10% PPA and 5% intermediary fee as usual.


Some other clients with 100M+ Invested


Typically trading occurs Mondays through Thursdays.  They adjudicate on Friday, and the Transaction Paymaster pays everyone at same time.

UNSURPASSED RELATIONSHIPS

FOR INFORMATIONAL PURPOSES ONLY
As Covered Under International Chamber of Commerce (ICC) Uniform Customs and Practice for Documentary Credits (UCP 600)

- CONFIDENTIAL & PRIVATE, NOT FOR PUBLIC USE –

 

UNSURPASSED RELATIONSHIPS

AT THE APEX OF THE GLOBAL BANK INSTRUMENTS INDUSTRY

OUR CLIENTS ARE INTRODUCED ONLY TO THE BEST

 

 

We are incredibly fortunate to have become connected with two of the groups operating at the very apex of this industry in the world. They offer benefits not found elsewhere.

Naturally, at the minimum, they provide the gold standard, which is not unique to them - - namely, absolutely zero risk, able to be confirmed in advance. This zero risk gold standard consists of:

1. Principal capital staying in client’s own account;
2. Is never touched by any other party;
3. Client never turns over control of it to anyone else;
4. Option for no block on client’s capital if preferred;
5. No shared signatories;
6. No lien against client principal;
7. No encumbrance against client principal;
8. Tear sheet only - - once a week;
9. The highest returns on the planet, of any managed funds program;
10. Returns are paid every one, two, or three weeks, depending on the contract client gets into; and
11. Returns are contractually guaranteed - - as predictable as clockwork.

Thus client stays in full control of his or her committed capital at all times, just as is the case now. Client is free to move it, but if one does, after signing the contract to enter into the program, the returns will stop coming and the client will probably never be invited to participate again. Nevertheless, that is the worst of it - - client funds are never placed at risk. One can have peace of mind and sleep at night, knowing the outcome is predictable.

This means one doesn’t need to do due diligence. One doesn’t need to check us out. The client doesn’t need to trust us (even though we are trustworthy). It doesn’t matter. The client doesn’t need to trust the program administrators or the traders. The client will never entrust his or her money with them. The client doesn’t need to do due diligence on whether they are trustworthy. The client doesn’t need to trust anyone but oneself. The client stays in full control at all times.

That much is already the gold standard with the few platforms around the world that operate in integrity and are actually performing. What is different about the two to which we can introduce you consists of a number of more rare virtues that you might not have encountered before. It is these rarified values that could give you advantages considered rare and privileged even within the elite club of billionaires.

One of these firms to which we can introduce you operates at the apex of the global financial system, handling the Queen of England’s funds, and the Chinese Heritage Funds, among others, which number in the "T" and "Q" levels. That firm sets the policy for all the other platforms and oversees them. So if they can’t accomplish something for an investor, nobody can. Its absolute rock bottom minimum for admission into a platform is $500M USD or EUR.

This firm occupies an entire floor of the highest high-rise building in downtown Miami. It has 150 staff located there, plus an army of traders, platforms, attorneys, and other professionals in many locations around the world. It is also a prime cutting house, so that is where we refer clients who wish to purchase BGs or SBLCs, as distinguished from entering a bank instruments trading program. There is a $500M USD minimum for purchasing BGs or SBLCs.

The other favored firm at the moment operates from one of twelve banks in the world that are using the new Quantum Financial System, and whose trader is considered to be the number one trader on the planet, both in terms of rates of return and in terms of speed of delivery. Its minimum for participation is only $1M USD or EUR, but they routinely handle nine, ten, and eleven figure funds as well.

We have been seeing both clients and intermediaries being paid regularly, consistently, flawlessly, as promised, and as contractually guaranteed, via both of these sources. Hence these platform sources are in that tiny percentage which are proven, genuine, authentic, performing, of integrity, and successful.

Thus we are right at the quintessence of the global bank instruments industry, through two different channels - - both of which are heavily involved in humanitarian projects (the genuinely benevolent ones that are truly making a difference for the betterment of the world), both of which are proven to be performing and paying out as promised, and both of which can authenticate a prospective client on their screens within 15 minutes.

RULES OF PARTICIPATION

Rules of Participation

 

Potential Investors/Asset Providers must first submit a Client Information Summary (CIS) and Proof of Funds (Tear Sheet, Bank Statement, or Bank Letter) to the Facilitator and Program Manager, in order to pass AML compliance.

It is considered a "privilege" to be invited to participate in a Fiduciary Trade, not a "right." The trading administrators and managers have a virtually endless supply of financially qualified applicants.

Program Managers and their banks will favor the applicant who provides the best paperwork, follows through promptly with all asks, and does not attempt to modify or dictate variations to the standard procedure. An applicant should never underestimate what the trading entities know about them. Failure to provide full disclosure upfront will disqualify the disingenuous.

Applicants must first prove that they are qualified, not the other way around. Until the applicant has passed the AML compliance required by the Trading Banks, no placement can occur nor will any offer be made. The U.S. Patriot Act has introduced obligatory compliance procedures. Program Managers are legally not allowed to discuss yield schedule nor contract terms until AFTER a potential Investor/Asset Provider has passed compliance, or else they could lose their license.

Corporate applicants must empower an Officer or Director as sole/exclusive signatory by using a Corporate Resolution. Not only do the funds have to be on deposit in an acceptable bank, they must also be in an acceptable jurisdiction.          Trading does not occur in the US, but funds can be in certain US banks with corresponding branches in Europe or Hong Kong (JP Morgan Chase, Citibank, etc.).

It is felony fraud to submit documents or Financial Instruments that are forged, altered or counterfeit. Such documents (including attempting to submit assets that are not under direct control) are promptly referred to the appropriate law enforcement agencies for immediate criminal prosecution. The practices, procedures and rules are determined by the U.S. Federal Regulatory Authorities, Western European Central Banks program management, the International Chamber of Commerce (ICC), licensed traders and trading banks. It is their decision whom to accept and whom to reject. Contract terms, yield, schedules, etc., are made to fit their needs and schedules – and not the demands of the investors.

This marketplace is highly regulated and strictly confidential, and absolute confidentiality by the investor is a key element of every contract, with strict Non-Disclosure Agreement that is enforced. A client who breaks confidentiality will precipitate instant cancellation and may be required to repay profits received.

Finally, submission of the application documents to more than one management group at a time is termed "shopping". If an Investor "shops" he/she can expect that this fact shall be quickly disseminated and known among the program management groups who maintain close communication – and will then be accepted by none and rejected by all.

 

INTAKE PROCEDURES

 

1)        Applicant or Applicant's Rep sends email to Facilitator with the following information:

  1. a) Names of the Applicant Rep and Intermediaries, Location & Company name, Corporate Title, State of Incorporation, Email Addresses

 

  1. b) Applicant's Nationality & Country of Residence

 

  1. c) Amount available - Cash or Instrument (Medium Term Note, Bank Guarantee, Standby Letter of Credit, or Certificate of Deposit)

 

  1. d) Where funds are located - Country & Bank name

 

  1. e) What the Applicant is seeking to achieve by going into a Trade: Wealth Accumulation, Project Finance, 40 week trade, bullet trade, etc.

 

2)        Applicant speaks with Facilitator on Facilitator's Conference Line. If interested in moving forward, Applicant signs Facilitator's Non-Circumvent Non-Disclosure Agreement (NCNDA) via DocuSign.

 

3)        Applicant speaks with Program Manager / Legal Corporate Rep on Facilitator's Conference Line.  Applicant cannot dictate terms to Program Manager or they will not be able to move forward.

 

4)        Applicant receives email from Facilitator making formal introduction to the Program Manager / Legal Corporate Rep. From this point on the Applicant communicates directly with the Program Manager.

 

5)        Applicant emails Client Information Summary (CIS/KYC) & Proof of Funds (POF) directly to Program Manager / Legal Corporate Rep.

 

6)        Facilitator emails Intermediary Genealogy to Program Manager to go into file with KYC & POF.

 

7)        Program Manager / Legal Corporate Rep submits Applicant and Intermediary info to Compliance.

 

8)        If Applicant passes Compliance, Program Manager / Legal Corporate Rep will present contractual offer to Applicant, with detailed terms and procedures.

 

9)        Upon receiving trade contract, Applicant can take contract to their banker for bank-to-bank verification of the contract validity (using the serial number), trader's credentials (using trader's license number), and the contractual returns.

 

10)     After completing Due Diligence, the Applicant then decides Yes or No, having taken on zero risk and having been given full transparency.

 

How to Protect Yourself In PPP, Managed Buy Sell Trades

 

Private Placement Programs (PPPs) are one of the most misunderstood of all the Alternative Investments. Due to the enormous amount of misleading, false and fake information floating around the internet, as well as the fact there are very few published sources of quality information, we have created a quick and simple guide that will allow you, in seconds, to differentiate a legitimate Private Placement Program from a scam.

Every scam needs a mechanism to move money from the client into the scammer’s pocket. If that mechanism is not present, then the scam, by definition, cannot work.

There are two main mechanisms scammers use in PPP scams that are not present in legitimate deals. The reason they use these two approaches is because it is the only way for them to gain access to a client’s money in the deal. In the vast majority of cases, articles and stories where people tell you about scams, one of these two mechanisms is always present. It is, in fact, the only thing that allows the scam to work.

 

1) Up-front fees: Traditional Legitimate Private Placements DO NOT have Up-Front Processing Fees. This is a simple little money transfer mechanism that gets you to pay money for services you’re never going to receive.

 

2) 3rd Party Accounts: This is the most predominant scam technique in the industry. It is a way for scammers to gain access to large amounts of funds, by having the investor move the funds to a less secure 3rd party or 3rd party escrow account where they can easily access and steal it.

 

In a Traditional Private Placement Program, the money stays in your own AAA Rated Top-Tier Bank Account, in your name. In most cases it is held in place by the Bank itself for the duration of the trade program. No one else has access to the funds, ever. The trade contracts are done with the banks, on bank letter head with full-banking responsibility, and these contracts have verifiable bank serial numbers so that your banker can do bank-to-bank verification for you.

There are also very strict Non-Solicitation Laws enforced for these, per International Banking Law. Seeing any type of advertising for these services online, or sharing program details on a website, a blog or video, is a breach of those solicitation laws and is highly illegal. This is one of the easiest ways to spot the scams immediately.

Now let’s talk about Legitimate Private Placement Programs. These are done by word-of-mouth only, through intermediaries with pre-existing relationships, generally by people with very substantial and easily verifiable credentials. In presenting this information to potential clients, they are staking the reputation that many of them worked a lifetime to establish. So that is a good starting point to the fact that the Program they are discussing with you is legitimate.

Next, since there are NO upfront fees and the money never leaves the client’s AAA Rated bank account, you have to ask yourself in a Properly Structured deal, “If the money is in my Bank Account, and there are no upfront fees, no third-party accounts, and there are verifiable Bank Contracts, if you were a scammer, how exactly would you make any money doing this?” Of course, the answer is that you wouldn’t.

Since the contracts are with AAA Rated Banks, the Investor Client is covered by the same protections that govern the bank. This means that if there is a problem with the contract, the bank can be held liable under the law and potentially lose their banking license.

Next, there are Insurance Wraps from AAA rated Insurance firms, like Lloyd’s of London, in the 100s of millions of dollars available, both for personal protection on these deals and to wrap hard assets for the trades themselves. The fact a AAA rated Insurance company would do business with a bank trade desk risking money on a daily basis in these amounts is a pretty solid indication you have found a legitimate bank trade desk.

The hang-up that most Investor Clients have is that the Bank requires anti-money laundering (AML) Compliance and a thorough Background check before a potential investor can be introduced to the little-known bank departments that handle these. You may only have 20 people in the entire network of the bank that know these departments even exist. One of the main reasons for this is that the banks want their employees, including upper management, doing their regular jobs instead of chasing down clients for Managed Buy/Sell programs, earning millions in intermediary fees and quitting or retiring.

The banks themselves can lose their license if caught talking to criminals about these programs. Therefore, true due diligence and complete transparency with the bank and all parties involved can only be achieved after AML compliance documents have been submitted and reviewed.

This report is the extent of the due diligence that can be achieved beforehand. After passing compliance, however, thorough due diligence is very easy.  Unfortunately, because of the numerous scams, you can now easily spot, nearly every Private Placement Program gets written-off as a scam and many people miss what is truly one of the safest and most profitable Alternative Investments in existence when structured properly.

The bottom line is that every investment class has numerous scams as well as fantastic opportunities. Being educated in how the scams work is your best protection if you wish to enjoy the benefits of working with legitimate bank trade desks that have been quietly doing business for decades.

 

Preferred Platform Programs

 

Program 1: $1 million minimum

 

BY INVITATION ONLY:

Our favored trader for this program is the #1 highest performing Tier 1 trader on the planet - - both in terms of high yield and in terms of speed of delivery.  In addition, their private sovereign trading bank in Taiwan is one among only 12 in the world that is using the new Quantum Financial System.

 

Amount: 1M Min, 2B Max in EUR, GBP or USD (NO AUD or JPN)

Blocking: TEAR SHEET-only. Client principal capital is not blocked nor moved. No escrow involved. No SWIFTS or MT 760 required.  Client funds NEVER MOVE.  Original investment Principal is NOT put at risk.

BOTH THE BANK AND THE INVESTOR WILL BE REQUIRED TO SEND THE SAME WEEKLY TEAR SHEET TO THE TRADER'S EMAIL FROM TWO SEPARATE EMAILS, THE BANK’S AND THE INVESTOR’S.

Qualifying Banks: Top rated international bank preferred, but smaller banks may be acceptable if they are willing to cooperate and provide a tear sheet every week.

 

TERMS

 

- Small Cap: 5X 1-Week Bullet followed by 40wk Trade paying 100%/mo:  Min 1M to Max 59M in USD, EUR, or GBP

- Large Cap: 6X 2-Week Bullet followed by 40wk Trade paying 100%/mo: Min 60M to Max 20B in USD, EUR, or GBP

Because of the bullets preceding the 40wk Trade, it is effectively as if the clients are getting 500% to 600% per month Gross return on their initial amount.

(Attached is a spreadsheet Mathematical Assumptions Template that you can use to make your own calculations)

- Tear-sheet only, meaning funds remain in Investors own bank account the entire time... NO escrow or IOLTA or Transfer of Funds or SWIFT necessary.

Note 1: Fresh "Tear Sheet" required day the Contract is sent to Applicant...

Note 2: Weekly "Tear Sheet" required from Client and their Banker after contract is signed...

 

FEES

 

- Platform charges 10%, closed, and Client-side intermediaries will be covered under a separate 5% Fee Payment Agreement (FPA) that starts with me. This makes a combined total of 15%.

- Must submit to me completed Intermediary Genealogy (GENO) (working intermediaries only, with Seller Rep in BOLD) with the Know-Your-Customer Documentation (KYC) so that we can get our 5% FPA signed by Applicant before we send the KYC to the Intake Officer.

 

PROCEDURES

 

1) Client Rep submits KYC & GENO (KYC includes Proof of Funds (POF) less than 48 hrs old and Banker Business Card)

Note 1: KYC must be hand signed and hand initialed by Applicant using WET BLUE INK... KYCs with digital signatures and initials get rejected by the Platform.  KYC INSTRUCTIONS have been updated.  Please read and follow carefully.  Also, MUST use attached KYC templates, and funds in corporate account MUST use Corporate KYC.

Note 2: Power of Attorney (POA) is NOT allowed, but if corporate KYC, then corporation can appoint a Non-Executive Director to handle the communication and negotiations for the transaction.  Otherwise, Platform must communicate DIRECTLY with the Applicant, who must also be the signatory on the bank account.

2) All intermediaries on GENO will receive a copy of the completed Fee Protection Agreement (FPA) via DocuSign to sign.

3) Applicant will receive the DocuSigned completed FPA to add their WET BLUE INK Signature and Initials where indicated.

4) Completed KYC & signed FPA are submitted to Intake Officer.

5) Intake Officer completes preliminary Due Diligence Compliance on Applicant.

6) Platform Rep calls Applicant.

7) Platform conducts Forensic Due Diligence Compliance on Applicant.

8) Platform Rep sends Contract to Applicant and requests updated POF.

9) Applicant sends signed Contract and updated POF to Platform Rep.

10) Platform starts Bullet Trade for new Client.

This Trade Platform is moving very quickly and wants Client to go into trade as fast as possible, depending on the Client's responsiveness.

 

For Applicants with funds at some of the more challenging banks, like Sberbank, Mahkota, Bank of West Indies, or Commercial Development Bank, as long as they have at least USD 100M in their account, we have a relationship with different Tier 1 Trade Platform that can accommodate them with a Bullet + 40wk Trade.

 

OTHER PLATFORMS – ALTERNATIVE TERMS

 

- 115%+ per month or thereabouts, for first month.  Returns vary from program to program, but returns will be faithfully paid consistent with whatever is in the contract.  Some contracts have offered as high as 300% first month, but even 100% is arguably exceptional and hard to match anywhere else.

- 40 weeks after that at 100% per month (original Principal plus any amount of Bullet trade profits can go into a 40 Week Program at 100% per month minimum)

- Weekly Distribution

The Bullets can be used to super-charge the outcome of the 40 Week Program, but the Client can opt to not roll the Bullet trade profits into the 40wk program, or they can utilize any amount, at their sole discretion.  There is NO project requirement.

Example (for illustration purposes only, this is not to be considered a solicitation nor an offering).

Timing Initial Amount Return % Return Amount Cumulative Amount
Week 1 100,000,000 300% 300,000,000 400,000,000
Week 2 100,000,000 300% 300,000,000 700,000,000
Month 1 700,000,000 100% 700,000,000 1,400,000,000
Month 2 700,000,000 100% 700,000,000 2,100,000,000
Month 3 700,000,000 100% 700,000,000 2,800,000,000
Month 4 700,000,000 100% 700,000,000 3,500,000,000
Month 5 700,000,000 100% 700,000,000 4,200,000,000
Month 6 700,000,000 100% 700,000,000 4,900,000,000
Month 7 700,000,000 100% 700,000,000 5,600,000,000
Month 8 700,000,000 100% 700,000,000 6,300,000,000
Month 9 700,000,000 100% 700,000,000 7,000,000,000
Month 10 700,000,000 100% 700,000,000 7,700,000,000
* For Mathematical Illustration Purposes Only, This is Not To Be Considered A Solicitation Nor An Offering *

 

STRICT PROCEDURES or file will be rejected, no second chances.

Step 1: Application: Seller Rep submits Applicant's KYC, POF, and a GENO

1) Client Information Sheet / Know Your Customer Compliance Package (KYC)

- TWO KYCs required, one submission in PDF and one in MS WORD.

- Must use one of the attached Individual or Corporate KYC templates

- KYC must be dated within past 48 hrs

- Digital signatures OK

- KYC must include 2 banker business cards

- KYC must Transaction Code created by Applicant, anything is fine, for example: Seller Rep Initials/Amount/Bank Initials/Date or JD/USD$100M/HSBC/20181215

- KYC file should be named as follows: KYC - First Name Last Name - Currency Type & Amount - Bank Name & Country - Date for example: KYC - John Doe -

2) Proof of Funds (POF)

- POF no more than 24 hrs old, Corporate KYC must have Corporate Account POF, Individual KYC must have Individual Account POF

- POF bank screenshot okay, but must include date, bank name, account number, client name, and balance.

- Note: There will be a requirement for a weekly tear sheet from the bank

- New Fresh Tear Sheet required on the day the trade contract is being sent to the applicant/funds owner

3) Genealogy (GENO)

- Sell-Side Intermediary Fees are 5%

- GENO template is provided

- GENO must list all working intermediaries. Non-working intermediaries should be covered by you through sub-fee agreements or referral fees.

- GENO must include Seller Rep in Bold, and everyone's First & Last Name, Company Name (if any), Passport or DL#, Passport Country.

Step 2: Closing

1) Profit Participation Agreement (PPA)

- Applicant will receive PPA to sign after passing initial due-diligence

2) Phone call from Platform follows signed PPA

3) Contract follows call from Platform

 

Required Legal Disclaimer:  Admittance to these programs is by invitation only.  They are not open to the public.  This is not an offering of securities.  Brilliance in Commerce is not United States Securities Dealer, Broker, US Investment Adviser, Financial Planning Firm, Accounting Firm, or Law Firm and does not offer legal, tax, investment, or accounting recommendations. Nothing contained herein should be construed as legal, tax, investment, or accounting advice. We do not sell investments.  We do not and will not provide personalized investment advice.  We only offer research in wealth-enhancement ideas and financial education and publish opinionated information about finance and trading in which we believe our subscribers may be interested.

This message is for informational purposes only and is neither a solicitation of investment nor an offer to sell and/or buy securities. The Recipient hereby acknowledges and confirms that neither the Sender nor his/its associates, nor any other person acting on behalf of the Sender have made any statement or offer in any way whatsoever that can be construed to be a "solicitation."  Admission to Private Placement Platforms is by invitation only.

The information herein is confidential and protected by law.  It is intended for only the recipient(s) named in the email to which this document is attached. It may contain information that is protected from use or disclosure under agreements of confidentiality or applicable law. This information may also be entitled to legal protection under the United States’ Electronic Communications Privacy Act, 18 USC Sections 2510-2521. Sender does not waive confidentiality or privilege. If you have received this email in error, or are not the named recipient(s), you are hereby notified that any use, dissemination, distribution or copying of this email or any attachments is strictly prohibited and may subject you to penalties. Please immediately notify the sender and delete this email and any attachments from your computer. You should not retain, copy or use this email or any attachments for any purpose, or disclose all or any part of the contents to any person.

 

THIS INFORMATION IS PROTECTED FROM USE OR DISCLOSURE UNDER AGREEMENTS OF CONFIDENTIALITY OR APPLICABLE LAW. THIS INFORMATION MAY ALSO BE ENTITLED TO LEGAL PROTECTION UNDER THE UNITED STATES’ ELECTRONIC COMMUNICATIONS PRIVACY ACT, 18 USC SECTIONS 2510-2521. SENDER DOES NOT WAIVE CONFIDENTIALITY OR PRIVILEGE. IF YOU HAVE RECEIVED THIS EMAIL IN ERROR, OR ARE NOT THE NAMED RECIPIENT(S), YOU ARE HEREBY NOTIFIED THAT ANY USE, DISSEMINATION, DISTRIBUTION OR COPYING OF THIS EMAIL OR ANY ATTACHMENTS IS STRICTLY PROHIBITED AND MAY SUBJECT YOU TO PENALTIES. PLEASE IMMEDIATELY NOTIFY THE SENDER AND DELETE THIS EMAIL AND ANY ATTACHMENTS FROM YOUR COMPUTER. YOU SHOULD NOT RETAIN, COPY OR USE THIS EMAIL OR ANY ATTACHMENTS FOR ANY PURPOSE, OR DISCLOSE ALL OR ANY PART OF THE CONTENTS TO ANY PERSON. SENDER IS NOT A UNITED STATES SECURITIES DEALER OR BROKER OR U.S. INVESTMENT ADVISER, NOR A MEMBER OF NASD, AND BOTH PARTIES DECLARE THAT THIS E-MAIL IS NOT INTENDED FOR THE BUYING, SELLING, TRADING OF SECURITIES, OR THE OFFERING OF COUNSEL OR ADVICE WITH RESPECT TO ANY SUCH ACTIVITIES. THIS IS FOR YOUR INFORMATION ONLY AND IS NOT TO BE CONSTRUED AS A SOLICITATION FOR FUNDS OR THE SALE OF ANY SECURITIES. SENDER IS A CONSULTANT AND MAKES NO LEGAL WARRANTIES OR REPRESENTATIONS OF ANY KIND AS TO THE BUYER, SELLER OR TRANSACTION. THE TRANSACTION CONTEMPLATED HEREIN IS STRICTLY ONE OF CONFERMENT AND IS IN NO WAY RELYING UPON OR RELATING TO THE UNITED STATES SECURITIES ACT OF 1933, AS AMENDED, OR RELATED REGULATIONS, AND DOES NOT INVOLVE THE SALE OF SECURITIES. WE MUTUALLY AGREE THAT THIS TRANSACTION IS EXEMPT FROM THE SECURITIES ACT, IS NOT INTENDED FOR THE GENERAL PUBLIC AND ALL MATERIALS ARE FOR YOUR "PRIVATE USE ONLY". FURTHER, THIS INFORMATION IS NOT PUBLIC DISCLOSURE AND NOT A PUBLIC OFFERING; THIS MESSAGE CONTAINS INFORMATION WHICH IS CONFIDENTIAL AND PRIVILEGED; AND, MAY BE PROPRIETARY AND DOES NOT CONSTITUTE, NOR IS IT TO BE CONSTRUED AS LEGAL ADVICE, AS PER GRAMM-LEACH-BLILEY ACT 15 USC, SUBCHAPTER I, SEC. 6801-6809 [4] DISCLOSURE OF NON-PUBLIC PERSONAL INFORMATION. ANY REVIEW, RE-TRANSMISSION, DISSEMINATION OR OTHER USE OF, OR TAKING OF ANY ACTION IN RELIANCE UPON THIS INFORMATION BY PERSONS OR ENTITIES OTHER THAN THE INTENDED RECIPIENT IS PROHIBITED. THIS MATERIAL IS FOR INFORMATIONAL PURPOSES ONLY AND IS NOT A SOLICITATION. IF YOU RECEIVED THIS DOCUMENT IN ERROR, PLEASE CONTACT THE SENDER BY REPLY EMAIL AND DELETE THE MATERIAL FROM ALL COMPUTERS. ALL DUE DILIGENCE IS THE RESPONSIBILITY OF BUYER AND SELLER, NOT THE SENDER. ANY REVIEW, RETRANSMISSIONS, DISSEMINATION OR TAKING ANY ACTION IN RELIANCE UPON THIS INFO. BY PERSONS/ENTITIES OTHER THAN INTENDED RECIPIENT IS PROHIBITED. THIS MATERIAL AND ANY COMMUNICATIONS ARE NEVER A SOLICITATION FOR ANY PURPOSE IN ANY FORM OR CONTENT UPON RECEIPT OF THE DOCUMENTS, AND RECIPIENT HEREBY ACKNOWLEDGES THIS DISCLAIMER AND IF NOT ACCEPTED, RECIPIENT MUST RETURN ANY AND ALL DOCUMENTS IN THEIR ORIGINAL RECEIPTED CONDITION TO SENDER. THIS COMMUNICATION IS COVERED BY ELECTRONIC COMMUNICATIONS PRIVACY ACT OF 1986, CODIFIED AT 18 USC 1367, 2510-2521, 2701-2710, 3121-3128. SEE http://ftc.gov/privacy/glbact.

 

WARNING OF RESPONSIBILITY: From this point forward, the international codes will be strictly enforced to exclude all intruders that send out false information. Those who submit a false NCND/IMFPA, LOI, FCO, BCL, or FCO, as well as FALSE PROOF OF PRODUCT (POP), FALSE PROOF OF FUND (POF) or other Documents WILL BE CHARGE WITH A CRIME and such will be reported to the FBI, ICC and INTERPOL. THIS IS A FEDERAL OFFENSE. This went in to effect on 15th November, 2008 after a meeting was held between the Federal Reserve, European Central Bank, Interpol, Federal Bureau of Investigation, and SWITZERLAND ART. 305 TER insufficient diligence in financial transactions and right to report. If Sender deliberately manipulated or falsified documents and submitted intentionally misleading information, thereby preventing an implementation of the respective order, the damage done, put a flat rate of 19.88% (eighteen-comma-eight-and-eighty percent) of requested net funding amount or the proposed capital expenditure will be charged. Any further claims for damages, as well as the introduction of criminal sanctions are reserved, irrevocable plus of 5% (five percent) paymaster-fee, has been credited to the bank account.

 

ALL FALSE DOCUMENTS WILL BE REPORTED TO AUTHORITIES

Federal Bureau of Investigation

  1. Edgar Hoover Building

935 Pennsylvania Avenue, NW

Washington, D.C. 20535-0001

Investigations@fbi.gov

 

INTERPOL IP Crime

Unit INTERPOL General Secretariat

200, quai Charles de Gaulle

69006 Lyon, France

Fax: +33 (0) 4 72 44 72 21

Website: www.INTERPOL.int

 

International Chamber of Commerce

38 Cours Albert 1er

75008 Paris, France

Tel. +33 1 49 53 28 28

Fax +33 1 49 53 28 59

 

Program 2: $500 million minimum

BY INVITATION ONLY:

AAA-1 PPPs, 500m MINIMUM INCLUDING UNLIMITED HERITAGE FUNDS. WE USE OUR OWN FUNDS TO BLOCK THE TRANSACTION. THE CLIENT'S FUNDS ARE NEVER AT RISK.

WE PROVIDE A 5 YEAR CONTRACT.

WE OFFER 8 DIFFERENT PLATFORMS.

The ideal customer is any organization (pension funds, trust funds) or individual looking to enter into Private Placement Programs, or to monetize bank instruments.

Examples include MTNs, BGs, or SBLCs, then providing a PPP opportunity.

We trade all of the Heritage Funds for all of the elders in all of the banks except HSBC, Hong Kong. The Chinese Government trades all of the Heritage Funds in that bank.

500m minimum BGs / SBLCs ARE AVAILABLE FROM TOP 5 BANKS. FC/SS MTNs COMING SOON.

WE ARE OUR OWN CUTTING HOUSE FOR ALL OF THE PAPER WE PROVIDE. WE CAN ALSO MONETISE AND TRADE if you have already been issued BG/SBLC FROM A BANK.

An example of one contract we have had is for the purchase of a BG/SBLC. This has been a private opportunity only. The price has been sixty seven percent (67%) of the face value (65 + 2).

We will Issue the 799/ 760 first and after the 799/760 is received by the client’s bank, the payment will be due. The issue will be from one of the top 25 banks. The client must have the funds to purchase in the bank, as it will be verified during the due-diligence process.

The funds should be in the account that will be receiving the SBLC/ and or BG(s).

The paper is issued in tranches of 500M each.

Note: The BG/ SBLC will be issued in the client’s name. The client will have the opportunity when he/she performs to continue to purchase up to 2B with rolls and extensions.

The BG will be issued in the client’s name and it will be discounted and priced at sixty seven percent (67%) of the face value. The proceeds may be placed, if the client wishes, for participation in the Financial Opportunity that will be presented. A 67% LTV non-recourse loan will be given to the client.

ALL DOCUMENTS CAN ONLY BE SIGNED BY THE ACCOUNT HOLDER/ SIGNATORY/ OWNER OF THE FUNDS.

The client can use his/ her funds in any way that they choose as the agreement does not have a restriction that dictates the funds being used for projects.

The client will complete the necessary contracts prior to the 799/760 being sent.

Also the client will have to send to us a physical RWA (Ready Willing and Able). In this transaction we move first. At the end of the term of one year the paper is returned to the issuer.

If the client wants to proceed we will need a CIS/ KYC completed and banking details to hold this position.

To start the process, only send us a CIS. Then we will send our KYC to the client. If there is any hesitation of not wanting to send us an up-to-date KYC, we will reject the client’s request for any of our services.

Once we receive the KYC and all other specific documents we can proceed. The process for approval takes approximately 72 hours. Within that time period the client will receive a number of documents from us that will need to be signed and returned. Those documents will be NCND, Fee Agreement etc. We cannot complete any of those without client details. Thank you for taking the time to contact us and we are looking forward to being of service to you and your clients.

DOCUMENTS CLIENT CAN EXPECT TO RECEIVE FROM US

KYC, fee agreement, JV agreement, etc.   These standard documents will be sent to the client. If you have presently a CIS or a KYC then you may send that and we will have our office to complete those on our forms and send our documents to the client to be signed.

Only the signatory of the account (Account Holder) can go into contract with us.

THE CLIENT SHOULD KNOW THAT THEY CANNOT REMOVE ANY PAGES NOR CHANGE ANY WORDING IN THE KYC. ALSO SHOULD BE SIGNED IN BLUE INK AND RETURNED TO CUTTING HOUSE BY THE CLIENT DIRECTLY FROM THE CLIENT’S EMAIL WITHOUT TRAIL OR CC/BCC.

Note: If the client has a KYC already prepared we will accept that and transfer the information onto our KYC and other documents to be endorsed by the client.

Once engaged, the paperwork will need to be endorsed, notarized, etc. and returned within 24 to 48 hours.

Once we have received all documents, a master contract will then be sent to the client for final signature, etc. and that contract should be returned.  At the end if one year the BG/SBLC will be returned to the issuer unless otherwise requested to continue or renew.  Thank you.

For specific current details and private inquiries,

send an email to Customer Relations.

 

 

For Those Who Wish to be Intermediaries - The Mission of the Intermediary

 

The topic of this discussion is how to privately and confidentially introduce millionaires and billionaires to one of the most secure and masterful opportunities in the financial world.  This writer is available for one-on-one discussions if you desire further consideration after reading the following.  There is no reason to ignore the great treasure of knowledge and relationships we have.  This is a non-monetary treasure, but we’ve been developing it for years, and it can easily be translated into substantial funds for good causes, in a short time, if the right individuals are brought together.

For those who have already previously understood this type of information, you may be pleased to know that the relationships we have in this field have been evolving to ever higher levels.  The relationships we have now are truly very impressive.  This makes the topic perhaps worthwhile reconsidering.

The most important and invincible foundation of life is our daily expansion of consciousness through deep meditation, prayer, charitable service, and other highly evolved spiritual practices.  This is the be-all and the end-all of all financial prosperity.  With that purpose and perspective in common, we can fulfill the ethics of all spiritual paths in the stewardship of whatever wealth we may earn.

Then one of the finest business levels of support for solutions in creating new wealth involves fulfilling the role of intermediary for the large zero risk bank instruments trading programs.  This is essentially a role of being a Finder and Introducer of appropriate investors.  That role involves sharing in the proceeds of investments from clients you introduce to high quality paying programs.

In this noble endeavor, you would be introducing investors with a minimum of $1+ million USD, preferably $10+ or $100+ million.  They would keep their money in their presently existing bank, or move it to one of the largest and most well established banks in the world, where they would be given a zero risk arrangement.

At first many otherwise powerful light workers may think they don’t know people who command assets of $100M+.  But such people are all around us, everywhere.  They are just people, like everyone else.  The big numbers are just zeros.  The knowledge of the zero risk arrangement, well understood, is powerful enough to attract large investors easily.  Even billionaires don’t necessarily have this quality of knowledge.  Many of them know about the programs, but don’t always have access to the best platforms.  This level of bank instruments trading is truly elite.  Just having this awareness creates the magnet that, with a few simple phone calls, can open doors previously thought inaccessible.

When a $10M+ investor is admitted to a zero risk program, an arrangement can be made where his funds never leave his account.  If this is arranged, his principal capital stays at all times under his 100% full sole signatory control.  Thus he is really not even an “investor”.  We’ll just call him the “client”.  Therefore he doesn't need to trust anyone or believe anything.  He needs to conduct no due diligence, no legal background checks, nothing.  It is as close to zero risk as anything in the financial world gets.

The returns are superior to any other predictable investment in the world.  Those who are already familiar with bank instruments trading know that the returns eclipse everything else.  That’s all we will say here.  Quoting figures to newcomers can meet with such disbelief as to be counterproductive.  Thus it is better to be understated and allow for pleasant surprises later.  The real numbers can come out at the right point in the discussions and in the contract.

Commissions to intermediaries can be up to about 1% or 2%, depending on how we split the total with our primary intermediary.  The total is typically 5% of the principal pledged by the client.  This total percentage is to be divided among however many intermediaries there are, which naturally is best kept to a minimum.  This amount is typically distributed over a ten month period in forty equal weekly disbursements or twenty equal biweekly disbursements.

An example on the smallest scale would be if the investor commits $1M, and if there are two intermediaries, 5% would be split between them.  Thus if it is a weekly program, the investor would receive his returns every week, and the intermediaries would receive 2.5% each - - $25,000 - - every week for the course of the contract.  The intermediaries get paid whenever the investor gets paid.  Distributions of returns and commissions are typically simultaneous.  Then when the contract finishes, typically the investor enters another one (often with larger capital) and the process continues.  In addition, the word spreads, and the intermediaries end up with more and more clients.

This is real.  It is very quiet, as it has to be.  The client can see that there is no way for him to lose control of his capital, with eyes wide open in advance.  You can sleep at night and have peace of mind, knowing that you will not be embarrassed or held responsible for any loss.  Loss doesn’t happen in this league, because of the zero risk arrangement.

The responsibility of the intermediary is only to function as a finder and introducer.  The intermediary does not get involved in negotiations, brokering, deal making, signing investor documents, handling funds, or closing.  However, the intermediary should be present on all phone calls, if possible, for educational purposes, during the initial discussions with the client leading up to the transaction.

Because the client has to trust no one, and no due diligence needs to be done to protect his principal capital, the time from initial introduction to first payout can happen quickly, within a month or two.  The main thing that takes time is that even after finding the appropriate investors, they find this hard to believe, if they are newcomers to it, so they have to be educated.  It takes time for them to make their decision, even though they can see clearly, with their attorney, well in advance, that there is no way to lose.  They are so conditioned to expect the risks associated with most businesses and investments that it is often hard at first for them to step out of their old paradigm thinking.

That is another reason why the most important work is raising world consciousness.  If consciousness were just a little higher worldwide, then icebergs of paranoia would dissolve, and vastly more prosperity would flow. Many more good deals would happen where everyone wins, where no one loses, and where blessings can flow normally through society.

The larger the fund, the more quickly it goes, and the higher the yield.  This is because the standard trading block is $100M.  Anything less than that has to be aggregated.  If an investor commits at least that much, he gets his own unit trading directly.  This eliminates some of the aggregation middlemen, thus allowing for greater speed and higher yield.

We are associated with several of the finest program administrators in the world.  One of our favorites of them has very impressive credentials.  Actually it is a team of people, a consulting group.  Their extensive accomplishments in business and government, awards, titles, positions, degrees, humanitarian projects, and other recognitions give them a reputation that makes them impressive to introduce to multi-millionaires and billionaires.  Their knowledge of international law, their connections in worldwide banking, and their mastery of the process of trading make it go more smoothly and predictably than other providers.

Many consultants in this field boast that their program source “is right next to the trader or commitment holder”.  This has become broker jargon.  Well, in our case, our consulting group is above the trader.  The trader takes instructions from them.  Only later when you may have had many successful deals achieved, you may then appreciate just how rarified and fortunate this status is within this exotic industry.

Very important:  To find qualified clients, advertising is not allowed.  Neither is any kind of public domain notice, like mass emails to unknown prospects, group paper mailings to unknown prospects, fax broadcasts to unknown prospects, speeches to audiences containing unknown prospects, or the use of any other mass media.  None of this is tolerated.  This is because the BIIP industry is private.  It is not public like the stock and bond markets.

The industry is necessarily very low profile, confidential, and well protected.  If it is discovered clients are being brought in through unauthorized written materials or advertising, they will be rejected, and the intermediary will be blacklisted and possibly prosecuted.  Clients must be brought through one-on-one personal relationships.  Ideally, a client will have a positive worldview that supports humanitarian projects, charities, and causes in tune with natural law.  Thus in commencing discussions with such people, it is always best to build the relationship on deeper interests like these.  Then later the topic of money and the zero risk arrangement opportunity can come into the conversation.

It will be good to have some idea of what the newly multiplied wealth might be used for, by the client who is being considered.  The higher the purpose, the more ideal the client.

The reason intermediaries are paid commissions is that even though these programs are so good, it isn’t so easy to find enough investors of that size who are willing to participate.  Very few investors in the world actually participate in bank instruments trading programs.  And of the ones who do, most of them keep it quiet.  Receipt of the returns is on the condition of nondisclosure.  One of the reasons that so few people participate in BIIPs is that the profile of the typical BIIP investor constitutes the minority-of-the-minority of the population.  Those who have $1M+ and especially $10M+ in liquid capital to invest are already in the minority of society.  Then among those, people who have that kind of money usually earned it through a particular type of business or investing, and so they stay with what they know.  They are comfortable with what they know, and they’re not sufficiently motivated to venture into something new, no matter how enticing it may look.

Hence, the BIIP opportunity is SO good, with zero risk and with such a high return, that it simply isn’t believed.  It floats outside their little square box of understanding.  It is beyond their paradigm.  They may be rich, and they may be well educated in some ways, but they are also often conditioned to believe money is only made certain ways.  Their minds aren’t that open.  To them, it is good to repeat the proverb:

There is a saying:  “The mind is like a parachute.  In order to function, it first has to open.”

Another reason so few people participate is that the BIIP industry itself deliberately denies its own existence, through publicity smokescreens distributed via governments and major financial publications.  It is unfortunately necessary to do this, because if the industry’s existence and authenticity were to become public, the lack of risk and the consistent high returns would attract vast amounts of capital out of all the other investment markets in the world.  This would cause a global economic meltdown.  Therefore the captains of the BIIP industry deliberately publish denials of the industry’s own existence, and most investors simply believe the smokescreen when they read it, unquestioningly.

The only way qualified investors are allowed to get past this smokescreen and be admitted into the inner circles of the reality of a BIIP is through private invitation only.  That is the role you and I are authorized to play.  If we follow the protocols properly, it will be a win-win-win relationship for all.

As an example of someone who got past the smokescreen, one prominent lawyer didn’t believe these programs existed.  He believed that anyone who claims they do must be running a scam.  He was believing the “party line”. Then a very wealthy family asked this lawyer to set up their arrangements to deposit a very large sum in one of these types of transaction accounts, and to make absolutely sure that there was no risk to their money.  He said he could do that, but that they would be wasting their time, because the program doesn’t exist.  They responded that it does exist, and that they weren’t asking his opinion on that.  All they wanted from him was the protection of their money.  So he said okay, and he set them up.

Well, it turned out that they got paid on the deal, and so did he.  In fact he got what he calls “a rather princely sum” for doing what amounted to not much work.  He obviously had to drop his old beliefs.  So that initiated him into the reality and the genuineness of the BIIP industry.  Needless to say, since then he has been a believer.

We have heard countless stories like that.  The wealthy people who do participate in these deals keep it quiet, and they know they exist.  So your mission, as they say, should you wish to accept it, is simply to find a client who not only has the money, but at least some spiritual resonance with us.  The reason intermediaries are paid is that finding new clients who have that kind of money and who are open minded enough to give these programs a try, is very rare and valuable.

Finally, be aware that if you or any of your associates manage or oversee any charitable trust or foundation you would like to see funded, or if you wish to fund a life-supporting business anywhere in the world, you can make it a condition that the client must give a percentage of his weekly profit to such entity.  This can be millions of dollars per month.  In fact, your friend, the writer who sent this to you, would deeply appreciate that you consider creating a profit share between the client and projects that we both oversee.  A percentage can go to trusts or foundations that each of us manages or nominates.

Because of my lifelong devotion to the spiritual path, and because of the intention of the good people within the BIIP industry, including the few well intentioned creators within the elite families of Federal Reserve shareholders and others, humanitarian projects are associated with the proceeds of the trades.  Because of my own devotion to the enlightenment within us all, and the improvement of the consciousness of all humanity to realize it, I have worked for the funding of humanitarian projects, life supporting businesses, highly conscious charities, and all good causes that truly support world peace and mass awakening on the most supreme planes.  You may have similar ideals.  Those with the greatest love, virtue, talent, genius, and compassion for mankind should be awarded portions of the BIIPs for their projects.  Therefore this can take the form of a grant from your client to our respective trusts.

This is called a profit share.  It is not a commission and should not be confused as such.  This is because the bank instruments trading industry mandates that intermediary commissions must be conservative.  The amount of the commissions being paid to the intermediaries is disclosed to the trading bank, and if it is deemed to be excessive, it will be reduced, or the program will be cancelled.  It is one of the laws of the industry.  Therefore understand clearly this complete distinction, division, and separation.

If you or your associates have a position in a humanitarian project, and if that project receives funds from the proceeds paid to your BIIP client, that is a profit share grant to the entity managing the project, and has nothing to do with any relation to commissions or personal payments to you.  It is also a private matter between you and the client.  It is not to be mentioned to our consulting group or to the trading bank, because it is none of their business and they really don’t want to know about it.  If they learn about it, they might feel obligated to investigate it and find out if it is simply a form of disguised commissions.  It must be a genuine and legitimate project which the client has chosen to fund through profit sharing.

Some intermediaries are even more bold.  They ask the client to give up 50% instead of 30%.  This can work for clients who have never enjoyed the high yields that BIIP can provide.  Therefore even getting half of what the BIIP industry typically pays, is still above what they have usually received from any other investments.  It can also work for clients who are generous by nature, who already have enough money, or who believe in your projects.

Again, it is important to understand that both you and the client should clearly distinguish between grants to a humanitarian entity and commissions or referral fees.  Be aware that a clause in the Humanitarian Profit Share Agreement, that the client will be asked to sign, under the section “Non-Disclosure”, states:

 

“It is understood by the client that a bank instruments trading program compliance officer will interview the client before the program commences.  The client signing this agreement understands that if the compliance officer asks “have you signed an agreement with any intermediary to pay a portion of your profit to him (or her) in commissions or referral fees?” - - the correct answer is “no”.

“The client undersigned to this agreement hereby understands that if the erroneous answer of “yes” is given to that question, there is a possibility that he (or she) will be rejected from the program, and the intermediaries could be blacklisted.

“The client undersigned herein understands that the correct answer to the above question is “no”, because this is not a commission or referral fee sharing agreement to any personal intermediary.  Rather, it is a legitimate Humanitarian Profit Share Agreement, with such profit shares being given as grants to a legally separate entity, such as a charitable trust, foundation, or non-profit corporation.”

 

In many BIIPs, the presence of any kind of profit sharing agreement with the client would stop the admittance of the client into the program if it is discovered that the profit share recipient is also a commissionable intermediary.  Therefore it is best if the associate of the investing client decides clearly which role to play.  He or she can either be a commissionable intermediary, or be the recipient of a profit share; but not both, according to the BIIP industry protocols.  As to whether such an individual could be on the board of a trust or foundation that receives profit shares, such membership should be confidential and should also have shared decision making as to the administration of the funds thus received.

In real life, there is absolutely nothing wrong, either legally or morally, with our being the trustees of such respective trusts, in which case we can choose to administer the funds in any way we deem appropriate.  The trust can pay us salaries, it can purchase properties that we can live in, it can purchase vehicles we can drive, it can send us on travel journeys to workshops or conferences, whatever.  As long as the trust is operated legally and ethically, there is nothing wrong with its administrators being well taken care of.

The agreement between yourself and the client should be signed first, before the client is introduced to the consulting group.  Once the client is in direct contact with the consulting group, he (or she) will feel that he doesn’t need us any more.  Therefore, the humanitarian profit share agreement between you and the client should be signed first, long before he produces POF (proof of funds) and the introduction to our consulting group takes place.

Further, to ensure that the client actually fulfills the agreement, it is required that s/he arrange with his bank an automatic pay order, in advance of receiving the profits.  In the agreement you may sign with the client, the client agrees to establish the pay order at the beginning of the program.  The pay order mandates that the bank or escrow company automatically send whatever percentage you have agreed upon to your chosen entity, when the profits start coming.  That way, the client doesn’t have to manually remember to write out a check or issue a wire transfer each time.

Through these agreements and procedures, everyone can come out a winner.  The client will be receiving among the highest consistent investment returns in the world, without giving up control of his principal capital or its equivalent.  You and I will be receiving commissions to cover our personal expenses, and the projects we have designated can also be receiving generous profit shares to fund their missions.  There is little or no risk to anyone, and everyone comes out ahead.  This is what we call a win-win-win situation.

May the blessings of these relationships spread to uplift all life and consciousness everywhere.