Q: How can I pay for additional positions in HCI25?

A: When you have registered with HCI25 you just need to decide how many contracts you would like (from 1-15) and make the payment to one of the accounts below:

Liberty Reserve account number: U2972180 or U9605260
or our C-Gold account number: 17242

Send us an email and we will update the account accordingly.



Q: Can I tell others about this and earn any commission?

A: You can tell others what you have invested in. We do not however have a commission system. This is in most cases against the law to pay out commissions in many levels down in a so called pyramid scheme. That would most likely end our cooperation with the parties involved and this has been the case for many companies that I know of. We do however have a bonus system in one level which means that you will get a tip commission in the projects / plans mentioned in this site for the people that you recommend this to. You will however not earn any commission on what they in their turn generate.



Q: Some people say they&undefined;ve never found a program that works, how do I respond?

A: A few people may tell you that in the past, a program they (a friend or colleague) have entered did not perform. So the programs available do not perform, the programs presented have the highest likelihood of success.

Other people say these programs do not exist, how can I convince them these programs are real?

Only programs which provide for a meaningful guarantee for principal are considered. If there is no possibility for the loss of principal, why would anyone spend the time and effort to promote a sham that didn&undefined;t earn any money?


Q: I have a friend who is a skeptic, how should I approach them?

A: Full disclosure is made to the potential joint venture partner upon the receipt of Proof of Funds, Letter of Intent, and Letter of Authority. These three documents do not cost the client anything and do not put funds at risk. The client can then perform their own due diligence, including talking to the parties involved. In this way, the client is then able to convince themselves that the programs operate as stated.


Q: How do I explain my role in this to a prospect?

A: You are only in the role of finding fellow friends to participate in one or more Bank Debenture Trading programs or others as explained above.



Q: How do I build trust in these programs/projects?

A: Once funds have been proven to exist the client is encouraged to perform their own due diligence (DD). By doing so, the client is relying on themselves to gather the facts and make a decision.



Q: What exactly are bank credit instruments?

A: Bank credit instruments are conditional bank obligations, similar to a check cashable under certain circumstances, issuer credit worthiness being the criteria. In these instances, they are general obligations of the issuing institution, without reserves for repayment being set aside. Stipulation is not as direct liability in the balance sheet but in the Notes to the financial statement a contingent liabilities. While not secured obligations, the implications would be quite serious for the banking industry if a major institution defaulted on any payment due, secured or unsecured.

Q: How is the investment (transaction) risk is contractually eliminated?

A: Prior to purchase, at a known cost effected contractually, there must a buyer in place for a profitable resale. This buyer must have demonstrated proof of funds. If all these conditions are not met there is no transaction and hence, no loss is possible.

Since the original purchase and resale are contractual, most executions are simultaneous, like a double escrow involving real estate. At all times, the commitment is either (1) 100% in cash. or (2) pre-sold instruments. Hardly any risk in either situation.

Concurrent with the closing (instantaneous in most instances), any debt incurred to finance the purchase is paid off; the loans is on a non-recourse basis with the lender relying solely on the instruments held as collateral for security; a process called FORFAITlNG.

Q: There&undefined;s no publicly available instrument even remotely comparable; why aren&undefined;t some of the largest institutions (pension funds and insurance companies) major investors? In addition, why have these instruments and programs never been the subject of articles in investment publications?

A: Most money managers, oriented only toward commonly-known investment are unaware and have not been exposed. Further, they do not realize the differences in

(1) The type of investment vehicle.

(2) How it is issued,

(3) The frequency of the transactions,

(4) The requirements for investing,

(5) How to perform due diligence, and

(6) The lack of knowledge by the general public.

Because of this lack of knowledge, the returns sound "too good to be true" when compared to public-type investments. In addition, reported sources of these types of instruments deny their existence; however, some of these institutions are investors, according to managers contracted personally.

The main reason for this lack of knowledge is that all United States banks deny the existence of these programs or dismiss them as scams. There are only six domestic issuers; all are large money-center banks and their abilities are known only at the highest level within the banking community (meaning that most banks are completely unaware). These issuers cannot acknowledge the existence of such programs because (A) They are concerned that Publicity about raising capital might be deemed a public offering and the subject to regulation by the SEC and (B) Disintermediation (the switching by large depositors) from low-paying deposits to those with much larger profits.

In addition, there are several other reasons, including that most issuers are European, the programs are privately offered, not publicly intermediaries who introduce the programs are not banks advertising for these Programs is by word of mouth instruments are not subject to regulations of the SEC (and therefore do not appear in printed materials) the issuance is irregular with different values there is no visible exchange media with public quotations the large size of the offerings would not create public interest there is no readily available referencing the investors are anonymous in general be buyers in the secondary markets; however, the Comptroller of the Currency has regularly testified that these instruments do not exist. For all these reasons, there has never been any media exposure. No responsible journalist would publicize either the instruments or programs when the sources deny their existence and there is no supporting evidence. In fact, chaos would be the end result if the programs or instruments became publicized. There would be the potential of regulatory problems and the disruption of established relationships with substantial depositors.



Q: Who are the most likely investor prospects?

A: Any qualifying individual or institutions, including the managers of retirement and profit-sharing plans, insurance companies, trust companies, charitable trusts, corporations with surplus funds, savings banks, money managers, portfolio managers, investment bankers, private bankers, and business managers.



Q: What are the major attractions of this type of investment?

A: The large returns are not even comparable to any other form of investment yet the security and liquidity offered is second only the obligations of the United States government.