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A deep look inside secret undeground trading program frauds where more victims lose more money than anywhere else on Earth.

Prime Fraud Trading Program Representations
by, Unwanted Publicity website Host


March 25, 2008


Fraud Program – Professional Opinions


Many individual investors are unaware of all the possible pitfalls faced by professional advisors, when clients visit either their lawyer - familiar with 'business and estate practices' - and/or a financial advisor - familiar with 'asset financial management' – being called upon by them to provide 'perfect professional advice' expected to be received without invest much money (if any at all) for expensive advice involving investigative due diligence experts that respected professional advisors should routinely call clients to pick up the tab for in-addition to professional advisor fees, which costs a lot more than a professional opinion on whether to 'fix a tooth' or have it 'extracted', clients already know they end-up making the final decision on for themselves anyway.


When expressing 'professional opinions', especially those demanded by clients to be written on ‘letterhead stationery’, a respected professional will do their best to issue what they believe is in the best interest for them self especially where a client is considering a 'privately placed' investment in some 'program' or 'project' the professional may have never heard of before, nevertheless professional ears often times perk-up especially when ‘high net-worth clients’ ask for opinions on possible advantageous investment opportunities that cross their paths and those of their acquaintances.


Some clients have an untenable habit of forcing professionals to perform dangerous balancing acts, which will not alienate a client relationship when providing delicate advice that can easily swing a client into meeting either 'positive financial return results' or end in 'financial devastation'. Wise individual investors do not typically place all their 'financial eggs' into only 'one basket' so risks may be minimal, however 'rewarding' for those whom profit from running a fraud program.


Reports to clients may see professionals weighing their statements with a balance of 'cautious optimism', which unfortunately may later be seen as 'contributing' to 'client financial loss' that may be decided attributable to professional advisement 'preventing them from participating in the investment program' that otherwise stood to provide a great deal of money had the client acted, or for having advised the client 'to make the investment' where the 'client invested in a fraud' with similar loss results, however in any event professional malpractice or other litigation, which may see the professional dragged through a court of law event costing far greater than the original professional fees a client paid for advice.


Fraud Program – Government Warnings


The U.S. government publicly advises (reference below), "… there are no 'secret' trading markets where banks trade securities, and representations to the contrary are 'fraudulent'," further advising that, "just offering such trading programs or even 'claiming to be able to facilitate introductions' [ to a potential investor ] of 'another person claiming to hold access to such trading programs' violates many [ federal and/or state ] criminal laws."


Investment programs, where a financial institution is asked to write a letter commonly referred to as a "Blocked Funds Letter" - advising funds available in an account are of 'clean [ free of 'liens' or 'encumbrances' ] and 'non-criminal origin' for a certain time frame, are frequently used to perpetrate fraud schemes. These letters have no use in 'legitimate banking' arenas.


According to the U.S. government:


"Official symbols, names, and products of the U.S. Treasury Department are misused in these fraudulent schemes in several ways by falsely claiming, the U.S. Treasury:


- 'Has a 'secret trading room';
- 'Backs and/or approves 'trading programs';
- 'Can pool investor funds to buy and sell securities' – 'just like the Rockefellers can';
- 'Must approve humanitarian projects connected to trading programs'; and/or,
- 'Has purchased securities for investors guaranteed against loss';


Where all such assertions are untrue."


The government further advises, "It is illegal to engage in fraud in the offer or sale of a security. Under most circumstances, it is also illegal to sell securities that have not been registered with the U.S. Securities and Exchange Commission ( SEC )." Further, that "a 'security' includes the following items: 'note', 'stock', 'bond', 'debenture', and in more general terms, an 'investment contract' and any 'interest' or 'instrument' commonly known as a 'security'. Designating such instruments as 'loans' does not change their legal status as 'securities'. SEC v. W.J. Howey Co., et. al., 328 U.S. 293 (1946)."


Fraud Documentation - Holders


Infamous of all are "prime bank trading programs" equipped with name variations of other 'private placement investments' into fraudulent 'secret trading programs' offering equally fraudulent investment claims, that include:


- Above 'average market rates of interest' on investments;
- Timed 'quick returns' on investments; and,
- Below 'average market risks' on investments.


Many involve 'high-value bank financial instruments' ( e.g. bank guarantees, etc. ) presented along with support documents that have either been forged, counterfeited, or obtained by fraudulent means from 'third party 'master document holders' whom in 'most instances' may remain 'unknown' to even 'master fraud specialists'.


Fraud Scheme - Masters


The mothership of all fraudulent program schemes are 'secretly designed at home or office' by 'master fraud specialists' whom are con artists that set their fraud schemes afloat by arranging recruitment of their 'fraud program representatives' ( fraudsters ) typically selected as individuals whom can make ‘convincing presentations', 'follow directions', and 'willing recipients of commissions' paid on the basis of each 'individual investor' whose monies can quietly – without a lot of fanfare - be 'privately placed' into a ‘fraud program'.


Fraud Initial Recruitment - Fraudsters


Master fraud specialists recruit their representative 'fraudsters' of all ages, walks of life, and backgrounds (e.g. sales executives, group members, health professionals, etc.) whom for either the sake of 'money', 'self aggrandizing further recognition', or 'cheap alternatives to assisting' a variety of individuals ( e.g. acquaintances, co-workers, group members, family relatives, etc. ) whom are 'most likely to listen' to 'presentations struck-up during the course of a seemingly friendly conversation' where 'fraud is disguised' as an "investment opportunity".


Fraud Program - Economics


Tougher economic times are 'no secret' to 'master fraud specialists', fraudster representatives, or their investor-victims.


Proportionally dependent upon the 'initial base number of investor-victims' coupling those whom they are familiar with being open to suggestion convinced by such fraudulent presentations, especially in the wake indicative of 'investment pending pay off soon' for acquaintances presenting the fraud program to others, the 'actual total number of investor-victims' may grow to hundreds or thousands of investor-victims before a 'master fraud specialist' concludes the fraud program is complete for what was to be accomplished and disappears leaving their 'representative fraudsters' to face 'all criminal charges'.


Master fraud specialists purposely "insulate" themselves from 'fraud programs' by recruiting 'fraud representatives' whom often possess tainted backgrounds law enforcement investigators often times find 'easier to catch' where 'fraudsters typically end-up taking the weight of criminal charges' while their 'fraud masters' disappear after hiding vast amounts of investor victim monies.


The U.S. government recognizes the threat of 'subsequent fraud victim recruitment' easily growing a 'seemingly small investment fraud' out to international arena proportions when a 'fraud operation network' incorporates 'subsequent investor-victim pyramiding' that 'proportionally increase fraud profits' based on sheer numbers of 'specifically targeted investor-victims' whom may be facing an economic hardship sees 'human greed' take 'abnormal economic risks' in a 'get rich quick' scheme not otherwise considered before.


Fraud Application - Psychology & Sociology


Human frailty records thousands of victims as having been intelligent professionals and/or very wealthy individuals whom mistakenly get caught-up in 'moments of presentation' by trusting 'other individuals they had become familiar with' whom in some instances of fraud unintentionally - but not always - introduced them to the fraud initially' where more attention was paid rather than on obtaining 'expert attention' to discover 'what was really being introduced'.


Many instances of fraud find family members, acquaintances, business associates, and co-workers recruiting for fraudsters whom secretly pay - or fail to pay - "commissions" for those whom are successfully brought into fraud program schemes by others.


Fraud Secondary Recruitment - Victims


One of the most financially disastrous parts of an investment fraud program may appear near the conclusion of the fraud program, where shortly before the fraudsters' program is to pay investors, fraud masters encouraged their fraudsters re-contact investors with an 'interim offer' to 'immediately begin paying investors a 'commission' - percentage of the total the fraudster will receive - by bringing in 'additional investors' ( e.g. acquaintances, co-workers, group members, family relatives, etc. ) on either the 'same fraud program' or a 'new subsequent fraud program' investors present for them.


Fraud Code – No Knowledge Silence


To keep subsequent fraud victim investors from filing complaints over losses in fraud program schemes about to be discovered by law enforcement investigators, fraudsters are quick to point out to investor-victims that they may be 'equally guilty' of bringing-in investors into the fraud program cautioning them to all remain silent and 'not upset the applecart' because 'another plan is in the works' to return investor victim monies.


Dependent upon how 'convincing' a fraudster can be, the 'vast majority of investor-victims never notify or file official complaints with law enforcement authorities'. Unfortunately, subsequent fraud investor-victims, discovered 'promoting a fraud program', are 'rarely prosecuted in fraud program crimes unless they 'refuse to totally cooperate with law enforcement investigators and prosecutors'. Therein lies a larger hurdle to combating financial crime by law enforcement investigators and prosecutors whom may not be able to locate 'investor victim witnesses'.


Fraud Program - Presentation


Fraud presentation examples purport having access to an acquaintance of a 'prominent individual', advised - by acquaintances who retired from the Federal Reserve - to invest millions in a 'sophisticatedly complex secret trading program' through 'mirrored accounts' sanctioned by the Federal Reserve Bank, Treasury Department, Central Bank ( foreign nation ), World Bank, International Chamber of Commerce ( ICC ), International Monetary Fund ( IMF ), Bank of International Settlements ( BIS ), or other 'top financial institution' where 'trading program profit' return 'rates of interest' are secretly held to be better than 100% to 1000% and begin within 90-days dependent on 'pooled investment totals' locked-in for 'specific terms' between 1-year to 5-years along with a '100% bank guarantee' from 'one' (1) of the "Top 10" to "Top 50 banks" in the world.


Fraud Program Deal-Wrapping


Fraud deals are wrapped by examples including use of a prime ( top ) 'bank guarantee' that may even 'verify' as a 'legitimate financial instrument paper' and 'be real', however 'overwhelming support documents' may be either 'fraudulent' or 'counterfeit' but bear 'legitimate notarized signatures', 'legitimate copies of identity cards or passports', and more that will all be tied into an 'agreement' naming the 'investor' ( victim ) and setting forth all the terms involving 'trading program profit distribution(s)', quoting 'rate of trading profit percentage returns', 'planned receipt dates', 'bank wire instructions' of 'investor-victim financial institution account' that 'never receives all the signed agreement provided' by fraudsters closing the deal.


Fraud - Trading Programs


The general term "Prime Bank Instrument Fraud" is not always easily recognized and may also be known under 'other fraud program scheme names' ( see Glossary below ) and 'highly complex' by the time they attract significant international attention involving either 'high net worth individuals', 'legitimate businesses and organizations', 'public municipalities', and others whom were convinced to invest in 'seemingly lucrative' but 'fraudulent' "Trading Program' schemes designed by 'master fraud specialists' ( con artists ) using 'fraud representatives' ( fraudsters ) defrauding 'tens of thousands of investors' worldwide out-of 'hundreds of billions of dollars'.


Examples of how these high-value frauds take place is explained to potential investors by fraud presentations ( see Glossary below ), the more likely a victim may encounter a fraudulent investment.


Fraud Program Routines


During the course of fraudsters or their representatives marketing fraudulent investment schemes to individual investors, many common 'genuine phrase vernaculars' and 'genuine terms' are 'misused' to the extent that fraudulent documents lose meaning in the business financial world, but are nevertheless inserted into text content within fraudulent designed documents mixing fact with fiction to purposely confuse untrained eyes of those individual investors reviewing these investment program schemes.


Fraud Program – Victim Target Cautionaries


- Acquaintance, Associate, Co-Worker, and Family Relative introduces investment program;
- Unwarranted mentions invading individual personal privacy ( religious or other limited affiliations, etc. );
- Prominent name-dropping during investment program representation;
- Over-reliant confidence using prominent names to authenticate investment program represented;
- Secret investment program yet amazing revelations ( National Defense Operations, etc.);
- Transaction steps without full-disclosure with 'verifiable transparency' ( Non-Disclosure disclaimers, etc. );
- High Yield Return Interest Rate ( above normal, dependent on 'expected time of return' );
- Short Return Times ( below normal, but dependent on High Yield Return Interest Rate ); and/or,
- Secondary Market ( quick profitability investment lay off location )


Fraud Program - Directions


Indicators of representative fraud directing investors into unfamiliar areas of business financial investments is not limited, and typically includes flawed support document designs and misspellings when carefully examined by professionals, notwithstanding the use of an accompaniment myriad of unfamiliar catch phrases and buzzword terminology used on untrained individual investors.


[NOTE: The following "Glossary" does not necessarily provide all representations of fraudulent schemes and should not be relied upon as complete, as these directions, indicators, vernacular, and terms may vary in addition to new or existing others for use elsewhere.]


Fraud Program - Directions, Indicators, Vernacular & Terms Glossary


Fraud representations may claim the following indications, directions, vernaculars and terms:


- "The 'Trader' holds long-time business relationships with the U.S. Federal Reserve Bank ( FED ), other nation Central Bank, Bank of International Settlements ( BIS ) or large foreign bank;"
- "The 'Trader' holds connections to elite families such as the Rothschilds, Rockefellers, Getty, Carnegies, etc.);"
- "Trading Programs only see a select few invited to participate in Trading Programs;"
- "Trading Program Return Rate Interest profit proceeds guarantee 6% to 1000% or more 'per month';"
- "Trading Programs are used by government to fund secret national defense operations;"
- "Trading Programs are disavowed by government departments and agencies to keep them secret;"
- "Trading Programs are backed, approved, or sanctioned by Treasury Department, Federal Reserve Bank ( FRB ), International Monetary Fund ( IMF ), or International Chamber of Commerce ( ICC );"
- "Trading Programs were developed by all national Central Banks to level-out fluctuating yo-yo syndromes for the world banking industry;"
- "Trading Programs are disavowed by the Federal Reserve Bank, foreign nation Central Banks, and/or other government agencies because they do not want your money to leave their traditional domestic financial institution accounts, which they pool and lock into Trading Programs secretly earning high rates of return interest up to 1000% or more 'per month' in profits with 100% guarantees;"
- "Government financial institutions try obtaining funds all to themselves;"
- "Trading Programs is the manner by which all big banks and the prominent elite continue to make large amounts of money;"
- Fraud representatives may direct investors with a contingency 'before entering a Trading Program' to sign a "Non-Disclosure Agreement" to protect them and others of elite families involved in the Trading Program;
- Fraud representatives may direct investors with a contingency 'before entering a Trading Program' to sign a "Non-Circumvention Agreement" to protect them and others of elite families involved in the Trading Program;
- Fraud representatives may encourage investors by telling them High Yield Trading Programs are automatically mandate a small portion of profit proceeds placed into charitable humanitarian or religious social assistance effort organizations;"
- "Investor funds are pooled with others of elite families involved with trading program entry minimums of $100,000,000 million;"
- "Investor principal funds are guaranteed and/or secured by a Letter of Credit ( L/C or LOC );
- "Investor funds will remain in a bank account with only the investor as signor on those funds only used as "collateral" to enter the Trading Program;"
- "Investors will have a foreign Trust bank account established for them in a no or low tax jurisdiction to automatically capture their High-Yield return interest from Trading Program profit proceeds;
- "Investors can 'draw down' portions of their Trading Program profit proceeds by using a special foreign bank debit card;
- "Investors can remove funds out-of legitimate annuity accounts, pension accounts, and other source holdings and re-direct those funds into 'self-directed companies collateralizing funds' converted into an 'investment note' Prime Bank Instrument;
- "Funds of non-criminal origin, legally owned;
- "Funds assigned for participation in a High Yield Asset Management Program;"
- "Information contained in this document is for information purposes only and not intended as a solicitation nor offer to sell any form of securities;"
- "Trades established at term of 1-year and 1-day to avoid appearing on bank balance sheet;"
- "Investment period 90 banking days;"
- "Investment period 1-year and 1-day;"
- "Investment period "5-years and 1-day;"
- "Invested funds fully secured by Bank Endorsed Guarantee;"
- "Federal Reserve Approved;"
- "Treasury Department Approved;"
- "Federal Reserve Bank" ( Bonds, Notes, etc. );
- "U.S. Dollar Notes;"
- "Discounted U.S. Treasury Obligations;"
- "International Certificate of Deposit" ( L.C.D., F.C.D., B.C.M., etc. );
- "U.S. Treasury Department" securities leased, rented, or held;
- "U.S. Federal Reserve Bank" legacy securities leased, rented, or held;
- "Private legacy heritance asset instruments leased, rented, or held ( by a family estate "Holder" or secret “Committee” );
- "De Facto Treasury" securities ( from a foreign nation treasury ) leased, rented, or held ( by a secretly assigned "Master Commitment Holder" );
- "Limited Edition" securities leased, rented, or held ( by "Holder" );
- "Holder;"
- "Collateral Holder;"
- "Master Collateral Agreement;"
- "Master Collateral Holder;"
- "Off Balance Ledger Sheet Program"
- "High Yield Debenture Trading;"
- "High Yield Financial Program;"
- "High-Yield Promissory Note;"
- "High Yield Bank Note;"
- "High Yield Asset Management Program;"
- "High Yield Investment Program" ( HYIP );
- "Foreign Debt Restructuring Program;"
- "Private Placement" investment funds ( pooled );
- "Private Placement Trading Program;"
- "Trading Program;"
- "Trances;"
- "Roll Program;"
- "Bank Debenture Roll Program;"
- "Trading Bank;"
- "Trader;"
- "Master Trader;"
- "One of the Top 5 Traders in world having access to program;"
- "One of the Top 10 Traders in world having access to program;"
- "Trader to conduct 40 trades each year;"
- "Mandate;"
- "Mandate Agent;"
- "Mandated Agent;"
- "Agent of Mandate;"
- "Broker;"
- "Exit Buyer;"
- "Facilitator;"
- "Facilitator has access to World Top Trader;"
- "Prime Bank Trading Program;"
- "Prime Bank Debenture Trading;"
- "Prime Bank Debentures;"
- "Prime Bank Instruments;"
- "Prime Bank Notes;"
- "Prime Bank Guarantees;"
- "Prime Bank Trades;"
- "Prime Bank Letter of Credit" ( L/C or LOC );
- "Prime European Bank Letters of Credit" ( L/C or LOC );
- "Prime World Bank Debentures;"
- "Prime Bank Financial Instruments;"
- "Prime Insurance Guarantees;"
- "Intermediate Bank Note;"
- "Medium Term Note ( MTN );"
- "Mid-Term Note;"
- "Zero Coupon Bond;"
- "Zero Coupon Letter of Credit" ( L/C or LOC );
- "Bank Note Guarantees;"
- "Bank Guarantee;"
- "Bank Note;"
- "Fresh Cut Paper;"
- "Bank Paper;"
- "Bank Debenture;"
- "Corporate Debenture;"
- "Company Debenture;"
- "Collateral First Debenture;"
- "Money Center Bank Debenture;"
- "Seasoned Bank Debenture;"
- Blocking of Assigned Treasury Securities;
- "Blocked Funds Investment Program;"
- "Blocked Funds Letter Of Credit ( L/C );"
- "Blocked Funds Documentary Letter Of Credit ( L/C or LOC );"
- "Irrevocable Bank Purchase Order ( IBPO );"
- "Irrevocable Pay Orders;"
- "Irrevocable Corporate Purchase Order ( ICPO );"
- "Irrevocable Confirmed Purchase Order ( ICPO );"
- "Irrevocable Prime Bank Commitment;"
- "Irrevocable Deed Of Assignment;"
- "Top 10 / Top 25 / Top 50 bank" (e.g. Barclays, Credit Suisse, etc.);
- "Due 1-year and 1-day;"
- "Due 2-years and 1-day;"
- "Due 5-years and 1 day;"
- "108" bank to bank certificate guarantee with principle + 8% annual interest;"
- "Cash" wire transfer;
- "Key-Tested Telex ( KTT );"
- "Conditional" SWIFT payment;"
- "Collateralized funds;"
- "Hypothecate;"
- "Hypothecation;"
- Hypothecating assets where insurance company requires specified minimums - up to $10,000,000 million - for pooled private placement fund entry into Trading Program where 'minimum entry amount' is $100,000,000 million;
- "C&F ASWP;"
- "C&D [ Cease and Desist ] Order;"
- "Comfort Letter;"
- "Discounting Letter of Credit" ( L/C or LOC );
- "Fractional Banking Rule / Law ( a 'theory' in opposition to that of the U.S. Federal Reserve Bank System );
- "Fractionalize funds;"
- "Fractionable Letter of Credit Payable;"
- "Irrevocable Deed Of Assignment;"
- "Irrevocable Letter of Credit Payable Payable;"
- "Divisible Letter of Credit Payable;"
- "Assignable Letter of Credit Payable;"
- "Transferable Letter of Credit Payable;"
- "Revolving Letter of Credit Payable;"
- "Confirmed Letter of Credit Payable;"
- "100% at Sight;"
- "Market to Buy Letter of Credit" ( L/C or LOC );
- "Market to Sell Letter of Credit" ( L/C or LOC );
- "Proof of Funds;"
- "Proof of Product;"
- "Ready, Willing, and Able ( RW&A );"
- "Soft Probe;"
- "2% Performance Bond;"
- "Pre-Advise issued by bank;"
- "Foreign Bank Advice;"
- "Bank responsible commitment of funds;"
- "Stand-By Letter of Credit ( SBLC );”
- "Standby Letter of Credit ( SLC );”
- "IMF [ International Monetary Fund ] Stand-by Letter of Credit" ( SBLC );
- "IMF Backed Securities;"
- "IMF Bill of Exchange;"
- "IMF Bill of Equity;"
- "IMF Backed Bond;"
- "ICC [ International Chamber of Commerce ] 3034 Letter of Credit ( L/C or LOC );"
- "ICC 3039 Letter of Credit" ( L/C or LOC );"
- "ICC 500 Bank Debenture" instrument; and/or,
- "ICC 600 Bank Debenture" instrument.


[NOTE: The aforementioned "Glossary" does not necessarily provide all representations of fraudulent schemes and should not be relied upon as complete, as these directions, indicators, vernacular, and terms may vary in addition to new or existing others for use elsewhere.]


In-lieu of all of the information presented here surrounding aspects of fraudulent trading program schemes, what happens to fraudsters whom promote them and the tens of thousands of investor-victims who have continually lost hundreds of billions of their investments to these fraudulent schemes, investors may begin to see the traditional financial light of profit by returning their investments back into the domestic marketplace.


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Unwanted Publicity, the website, at:  http://groups.msn.com/UnwantedPublicity


Reference


 http://www.treasurydirect.gov/instit/statreg/fraud/fraud_primebank.htm


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