1. Purpose of this Document

This document describes a structured mechanism for optimizing existing investments, enabling investors to generate an additional return without selling their assets, without taking on debt, and without transferring any cash.
This mechanism is based on the temporary blocking of assets owned by the investor, in order to enable the issuance of an international bank financial instrument such as an SBLC (Standby Letter of Credit) or a BG (Bank Guarantee).

2. Nature of the Transaction

The transaction is structured as an optimization tool for existing assets, according to the following principles:

• no debt is incurred,
• no bank loan is granted,
• no repayment is required,
• no cash transfer is made.

The investor temporarily blocks their assets to enable the issuance of a bank financial instrument used in international structured financial operations.

📌 The transaction is carried out through a financial instrument, not through a cash contribution.

3. What is an SBLC (Standby Letter of Credit) / BG?

An SBLC (Standby Letter of Credit) or a BG (Bank Guarantee) is an irrevocable banking instrument, internationally recognized, issued by a bank via the SWIFT network (MT760).

Key characteristics

• internationally recognized banking instrument,
• issued based on blocked or secured assets,
• used as a structured finance tool,
• not intended to be called,
• no fund call within the framework of this investment.

📌 In this investment, the SBLC / BG is an investment vehicle, not a payment or cashing instrument.

4. Temporary Blocking of Assets

Principle

The investor agrees to block all or part of their assets for a standard period of one (1) year and one (1) day, corresponding to the validity period of the issued financial instrument.
The assets remain the exclusive property of the investor throughout the entire operation.

Acceptable asset types

• 💰 bank cash deposits,
• 🏢 real estate assets,
• 💎 gold, certified diamonds, precious metals,
• 📊 other assets of recognized and verifiable value.

➤ No sale of assets.
➤ No transfer of ownership.
➤ No cash outflow.

5. Accepted Issuing Banks (Rated & Non-Rated)

The operation accepts financial instruments issued by rated and non-rated banks, subject to:

• compliance with international banking standards,
• use of the SWIFT network,
• compliance with KYC / AML procedures,
• validation by the receiving bank and financial partners.

6. Investment Return

Contractual return

The investor receives a contractual return ranging between 10% and 40%, determined case-by-case depending on the transaction structure.
📌 The blocked assets and the generated return remain, in all circumstances, the exclusive property of the investor.

Timing of the return payment

The return is not paid at the end of the blocking period.

📌 It is paid within a maximum of ten (10) business days, after:

• the effective issuance of the SBLC / BG,
• receipt of the SWIFT MT760 message,
• full bank-to-bank verification.

👉 Upon receipt, the return is immediately available and freely usable by the investor, without any restriction.

7. Transmission of the Investment

The operation is transmitted exclusively in the form of a financial instrument (SBLC / BG) to the beneficiary company.
➡ No cash transfer
➡ The company receives a bank financial instrument
➡ No movement of funds from the investor’s account

8. Detailed Banking Process – Official Steps

(MT799 Pre-Advice, MT799 Acceptance, MT760 with official SWIFT verbiage — already integrated and unchanged)

Step 1 – Signing of the DOA (Deed of Agreement)

The DOA contractually defines:

• the investment structure,
• the obligations of each party,
• the duration (1 year + 1 day),
• the required SWIFT messages,
• the return and its payment terms,
• investor protection clauses.

Step 2 – MT799 Pre-Advice (Issuing Bank)

Official SWIFT verbiage – MT799 Pre-Advice:

WE, XXXX, ADDRESS AT XXXXX, AT THE INSTRUCTIONS OF OUR CUSTOMER XXXXX, ACCOUNT NUMBER XXXXX, HEREBY CONFIRM WITH FULL BANK RESPONSIBILITY AND LIABILITY THAT WE ARE READY, WILLING AND ABLE TO ISSUE AND TRANSMIT VIA SWIFT MT760 OUR CASH-BACKED STANDBY LETTER OF CREDIT WITH A NOMINAL VALUE OF XXXXXX (XXXX MILLION) IN LAWFUL CURRENCY OF THE EUROPEAN UNION, IN FAVOUR OF XXXXXX, ACCOUNT NUMBER XXXXXXXXX.
KINDLY CONFIRM THAT YOUR BANK IS READY, WILLING AND ABLE TO RECEIVE OUR SWIFT

MT760 CONFIRMATION OF THE STANDBY LETTER OF CREDIT FOR FURTHER CREDIT XXXXX, ACCOUNT NUMBER XXXXXXXX.

THIS STANDBY LETTER OF CREDIT IS CASH BACKED WITH TERMS OF BEING OPERATIVE, IRREVOCABLE, TRANSFERABLE, ASSIGNABLE, CALLABLE AND CONFIRMED, WITHOUT PRESENTATION OF IT TO US AND SUBJECT TO THE UNIFORM CUSTOMS AND PRACTICE FOR DOCUMENTARY CREDIT UNDER THE INTERNATIONAL CHAMBER OF COMMERCE, PARIS, FRANCE, AND PUBLICATION NO. 600. YOUR RESPONSE BY RETURN MT 799 IS HIGHLY APPRECIATED.

Step 3 – MT799 Acceptance & Banking Commitment

Official SWIFT verbiage – MT799 Acceptance

WE HEREBY CONFIRM, WITH FULL BANK RESPONSIBILITY, THAT WE ARE READY, WILLING, AND ABLE TO RECEIVE YOUR SWIFT MT760 STANDBY LETTER OF CREDIT WITH A NOMINAL VALUE OF EUR x00,000,000.00 (xxx MILLION EUROS) IN LAWFUL CURRENCY OF THE EUROPEAN UNION IN FAVOR OF OUR CLIENT xxxx, WITH ACCOUNT NR. xxxxxxxxxxxxxxxxxxxx.

FOR AND ON BEHALF OF xxxxxx.

Step 4 – Issuance of MT760 (SBLC / BG)

The issuing bank transmits the instrument via SWIFT MT760, constituting the irrevocable banking act of issuance.

Official SWIFT verbiage – MT760

WE, XXXX, ADDRESS AT XXXXXXX, HEREWITH OPEN THE BELOW DESCRIBED ASSETS-BACKED STANDBY LETTERS OF CREDIT UNDER NUMBER ……………………, BY ORDER OF XXXXXXX, ACCOUNT NUMBER XXXXX, IN FAVOR OF XXXXXXXX, ACCOUNT NUMBER XXXXXXXXXXXXX, THE SUM OF EUR XXXX’000’000.00 (XXXXX MILLION EUR).

WE HEREBY CONFIRM AND IRREVOCABLY PROMISE TO PAY AGAINST THIS ASSETS-BACKED STANDBY LETTER OF CREDIT UPON PRESENTATION AT MATURITY, BUT NOT LATER THAN FIFTEEN (15) DAYS AFTER THE MATURITY DATE.

THIS STANDBY LETTER OF CREDIT IS IRREVOCABLE, TRANSFERABLE, ASSIGNABLE, CONFIRMED, AND SUBJECT TO ICC PUBLICATION NO. 600.
THIS STANDBY LETTER OF CREDIT CAN BE VERIFIED AND AUTHENTICATED ON BANK-TO-BANK BASIS.
FOR AND ON BEHALF OF XXXXXXXX.

Step 5 – Bank-to-Bank Verification

Authentication, validation, and formal confirmation of the instrument between banks.

Step 6 – Payment of the return

📌 The return is paid within a maximum of ten (10) business days following the effective receipt of the SWIFT MT760 message (SBLC / BG) and full bank-to-bank verification of the instrument.
The payment process is triggered only after:

• the SBLC / BG has been officially issued by the issuing bank,
• the instrument has been received via the SWIFT network by the receiving bank,
• the validity, authenticity, and irrevocability of the instrument have been confirmed by banking compliance services.

Once these checks are completed:

• the contractual return due to the investor is released and transferred,
• payment is made without any further conditions,
• no holdback, retention, or restriction applies to the paid return.

📌 Upon receipt, the return becomes immediately available to the investor, who may use it, reinvest it, or dispose of it freely, independently of the asset-blocking period, which continues until the instrument’s maturity (one year and one day).
This mechanism provides the investor with clear visibility on the payment timeline, as well as rapid liquidity of the return, while maintaining a high level of banking and contractual security.

9. Simplified Investment Example

• Existing assets blocked for one year and one day,
• issuance of an SBLC / BG,
• bank-to-bank verification,
• return paid within 10 business days,
• release of assets at maturity.

10. Investor Protection Clause – Non-Calling of the Instrument

• Blocked assets = exclusive property of the investor
• Paid return = exclusive property of the investor
• No rights, security interest, or claim over these amounts by the beneficiary company

Contractual commitment of non-call, non-recourse, and total absence of any request for funds.

✅ Summary for the investor
✔ Assets = exclusive property
✔ Return = exclusive property
✔ Return paid within 10 days after MT760
✔ Return freely usable
✔ No fund call
✔ Full contractual protection

“The instrument shall remain in force until its natural maturity and shall be allowed to expire automatically, without tacit renewal and without any specific action required, unless otherwise agreed in writing by the parties. This obligation is expressly set out and formalized in the contract (DOA / Main Agreement), which clearly, firmly, and irrevocably stipulates that the instrument must be maintained until its term and allowed to expire automatically, without any party, directly or indirectly, proceeding with a call, a drawdown, a claiming, a presentation for payment, a disbursement request, or any similar action.

It is further expressly agreed that no claim, payment instruction, draw notice, or request for mobilization shall be issued against the BG/SBLC during its entire validity period. Consequently, no funds shall be demanded, debited, withheld, transferred, or called under this instrument, and any attempt to call or request payment shall constitute a breach of contract and shall trigger the remedies provided for in the agreement.”

11. Conclusion

This investment enables the generation of an additional return on existing investments, while maintaining:

• exclusive ownership of the assets,
• a high level of banking security,
• no debt,
• no cash transfer,
• structuring compliant with international banking standards.

📌 The investment return is paid within a maximum of ten (10) business days after receipt of the SWIFT MT760 message (SBLC / BG) and its full bank-to-bank verification.

Upon receipt, the return is immediately available and freely usable by the investor, without any restriction, condition, or subsequent obligation.

The investor may therefore use it, reinvest it, or dispose of it freely, independently of the asset-blocking period.