Clyde VanBarrel Premier Financial Investments

Investors searching for relatively low- risk investments that can easily be converted into cash can rely on the Premier Financial Certificate of Deposit. Our CD's feature federal deposit insurance up to $100,000.

When you purchase a Premier Financial CD, you invest a fixed sum of money for a fixed period of time.Our short term investment is between 6 to 36 months, with a 4 and one half month maturity period. Our mid-term investment is between 5 and 10 years, with an 8 and one half year maturity period. Our long term investment is between 10 and 15 years, with a 13 year maturity period. All investments yield up to 5.20% interest on your initial investment, at regular intervals. When you redeem your CD, you receive your initial investment, plus up to 5.20% interest. If you decide to redeem your CD before it matures, there is NO "early withdrawal" penalty or obligation to forfeit any portion of the interest you earned.

 Clyde Van Barrel has searched brokerage firms in over 35 different countries, for over 20 years. We have discovered rates in over 500 banks, insurance companies, and financial institutions that normally do not publicize their rates. We have advised individuals, families and business owners about financial opportunities worldwide. No commision is charged.

"Although there is no initial penalty for early withdrawals prior to or in the process of maturity periods, for the benefit of your investment it is not recommended to do so".

Callable CD's give the issuing bank the right to terminate the CD after a set period of time. This can also occur if interest rates begin to fall. Fortunately for you and your investment, Premier Financial does not authorize the option to call any Cd's or any other investment portfolio's reguardless of the current interest rates.However, in the event of "rising" interest rates, you may be forced to pay below market rates. For the benefit of our investors, cashing out under these circumstances will not mean that you will lose ANY of your principal.

Some CD's which are acquired with a private brokers assistance are sometimes held by a group of unrelated investors. Instead of owning the entire CD, each investor owns a piece of an investment. With the Premier Financial CD's, you are the sole owner of your investment, and a copy of the exact title of the CD will be issued to you free of charge. Your account records will also indicate that I, "Clyde Van Barrel", am merely acting as an agent for you. This will ensure that your CD qualifies for up to $100,000 of FDIC coverage.

A sagging domestic economy makes it difficult for many companies to thrive. Without giving consideration to country and region, you may incur the excess risks associated with doing business in that country. Many average investors suffer from investing only at home. For example, if you were to purchase stocks diversified across all sectors located within the U.S, performance might often depend more on how the country performs rather than the success of the individual companies chosen. Diversification is an important aspect of building a well- constructed portfolio for the growth of assets. Investing abroad helps to strengthen your portfolio by expanding the efficient frontier. It also gives investors a better chance to gain profits from a wider variety of investments.

Emergencies happen. We at Clyde Van Barrel & Associates feel that the average person does not deserve to be penalized for the need to solve one of life's unforseen problems. Therefore, we went on a global search of financial institutions to find the best way to reward our clients without penalizing their financial investments for early withdrawals. If an emergency situation arises and you need your money back to take care of it, expect to get your money back, ALL OF IT, no questions asked, including any interest you may have gained.

Certificates of Deposit (CDs) is a negotiable money market instrument and issued in dematerialised form or as a Usance Promissory Note, for funds deposited at a bank or other eligible financial institution for a specified time period. Guidelines for issue of CDs are presently governed by various directives issued by the World Banks , as amended from time to time. The guidelines for issue of CDs incorporating all the amendments issued till date are given below for ready reference. Eligibility 2. CDs can be issued by (i) scheduled commercial banks excluding Regional Rural Banks (RRBs) and Local Area Banks (LABs); and (ii) select all Financial Institutions that have been permitted by to raise short-term resources within the fixed umbrella limit. Aggregate Amount 3. Banks have the freedom to issue CDs depending on their requirements. 4. A Financial Institution may issue CDs within the overall umbrella limit , i.e., issue of CD together with other instruments, viz., term money, term deposits, commercial papers and inter-corporate deposits should not exceed 100 per cent of its net owned funds, as per the latest audited balance sheet. Minimum Size of Issue and Denominations 5. Minimum amount of a CD should be US $10K, i.e., the minimum deposit that could be accepted from a single subscriber should not be less than US. $10k and in the multiples of US. 10k thereafter. Who can Subscribe 6. CDs can be issued to individuals, corporations, companies, trusts, funds, associations, etc. Non-Resident business/ tourists may also subscribe to CDs, but only on non-repatriable basis which should be clearly stated on the Certificate. Such CDs cannot be endorsed to another Non Resident in the secondary market. Maturity 7. The maturity period of CDs issued by banks should be not less than 7 days and not more than one year. 8. The Financial Institution can issue CDs for a period not less than 1 year and not exceeding 5 years from the date of issue. Discount/Coupon Rate 9. CDs may be issued at a discount on face value. Banks/FIs are also allowed to issue CDs on floating rate basis provided the methodology of compiling the floating rate is objective, transparent and market-based. The issuing bank/FI is free to determine the discount/coupon rate. The interest rate on floating rate CDs would have to be reset periodically in accordance with a pre-determined formula that indicates the spread over a transparent benchmark. Reserve Requirements 10. Banks have to maintain the appropriate reserve requirements, i.e., cash reserve ratio (CRR) and statutory liquidity ratio (SLR), on the issue price of the CDs. Transferability 11. Physical CDs are freely transferable by endorsement and delivery. Dematted CDs can be transferred as per the procedure applicable to other demat securities. There is no lock-in period for the CDs. Loans/Buy-backs 12. Banks/FIs cannot grant loans against CDs. Furthermore, they cannot buyback their own CDs before maturity. Format of CDs 13. Banks/FIs should issue CDs only in the dematerialised form. However, according to the Depositories Act, 1996, investors have the option to seek certificate in physical form. Accordingly, if investor insists on physical certificate, the bank/FI may inform Financial Markets Department, Van Barrel Investments, 275 Vassar st, Reno, NV 89502, about such instances separately. Further, issuance of CDs will attract stamp duty. A format (Annex I) is enclosed for adoption by banks/FIs. There will be no grace period for repayment of CDs. If the maturity date happens to be holiday, the issuing bank should make payment on the immediate preceding working day. Banks/FIs may, therefore, so fix the period of deposit that the maturity date does not coincide with a holiday to avoid loss of discount / interest rate. Security Aspect 14. Since physical CDs are freely transferable by endorsement and delivery, it will be necessary for banks to see that the certificates are printed on good quality security paper and necessary precautions are taken to guard against tampering with the document. They should be signed by two or more authorized signatories. Payment of Certificate 15. Since CDs are transferable, the physical certificate may be presented for payment by the last holder. The question of liability on account of any defect in the chain of endorsements may arise. It is, therefore, desirable that banks take necessary precautions and make payment only by a crossed cheque. Those who deal in these CDs may also be suitably cautioned. 16. The holders of dematted CDs will approach their respective depository participants (DPs) and have to give transfer/delivery instructions to transfer the demat security represented by the specific ISIN to the ‘CD Redemption Account’ maintained by the issuer. The holder should also communicate to the issuer by a letter/fax enclosing the copy of the delivery instruction it had given to its DP and intimate the place at which the payment is requested to facilitate prompt payment. Upon receipt of the Demat credit of CDs in the “CD Redemption Account”, the issuer, on maturity date, would arrange to repay to holder/transferor by way of Banker’s cheque/high value cheque, etc. Issue of Duplicate Certificates 17. In case of the loss of physical certificates, duplicate certificates can be issued after compliance with the following: (a) A notice is required to be given in at least one local newspaper (b) Lapse of a reasonable period (say 15 days) from the date of the notice in the newspaper; and (c) Execution of an indemnity bond by the investor to the satisfaction of the issuer of CDs. 18. The duplicate certificate should only be issued in physical form. No fresh stamping is required as a duplicate certificate is issued against the original lost CD. The duplicate CD should clearly state that the CD is a Duplicate one stating the original value date, due date, and the date of issue (as “Duplicate issued on ________”). Accounting 19. Banks/FIs may account the issue price under the Head “CDs issued” and show it under deposits. Accounting entries towards discount will be made as in the case of “cash certificates”. Banks/FIs should maintain a register of CDs issued with complete particulars. Standardised Market Practices and Documentation 20. Banks should include the amount of CDs in the fortnightly return, and also separately indicate the amount so included by way of a footnote in the return. 21. Further, banks/FIs should submit a fortnightly return within 10 days from the end of the fortnight date.