Q: How can the returns be as attractive as represented?

A: Private Investment Programs only trade prime bank notes by arbitrage. What arbitrage means is that the buy and sell contracts have to be “in hand” before the trade of the discounted bank notes take place. This is the safest way to trade because the deal is done before the deal takes place. This is all done by the trader for the Private Investment Programs. Since in the Private Investment Program traders only buy notes when they have a buyer at a higher price every trade has a net positive gain due to the “controlled trading” practices. There is zero risk to the Program traders, and zero risk to the bank, and zero risk to the investor