“BanClear” has been registered in Panama, at the request of Corporations in order to create and design a system of capitalization and seeking funds formula through promotion and sales of Corporate Capital Investment Certificate(s) (CIC) and Corporate Certificate of Obligation (CO) which can be legally presented and sold Principally in the secondary market.

Our Company uses experienced financial analysts and investment(s) managers worldwide. “BanClear” provides professional services tailored on request by each client, on an expedited basis with a very high success rate. ““BanClear”” acts as an Administrator of a formula of The International Corporate Capital Investment certificate (CIC), and coordinates relation(s) between the Corporation and Brokers, Securities Houses, direct or indirect Investors. Each project will be individually evaluated, analyzed, and promoted worldwide through our media and Internet resources, which shows potential Investors the advantages of investing in this specific project, which in turn produces a very high interest rate.

Information contained within “BanClear” Formula Program has been submitted and approved by Banks and Financial Institutions. Accordingly, “BanClear” Investment & Capitalization Plan is distributed at Applicant’s request for information only. “BanClear” Formula is not intended to provide the sole basis of any credit/loan or other evaluation and should not be considered as a recommendation for any investment. Each recipient of the Private Placement Formula is urged to make its own independent assessment before future commitment.
This Information is distributed only in reference to the placement facility described herein and may not be reproduced partially or in whole for any other purpose(s). The Information is not intended to be, nor should it be construed as an offer to buy or sell any securities and/or financial instrument(s).

Capital Investment Certificates or “CIC” are corporate note(s) and/or securities, who has not been registered under the Securities Act of 1993, as amended (the "Securities Act"). Accordingly, each purchaser of such securities will be deemed to have represented and agreed as follows (terms used in this paragraph, that are defined in Rule 144A under "Securities Act" or in Regulation S or Regulation D under the "Securities Act" are used herein as defined):
1. It is understood that the securities have not been registered under the "Securities Act" and that, if in the future is desire to offer, resell, pledge or otherwise transfer such securities, such securities may be offered, resold, pledged or otherwise transferred only
(a) to a person whom the Seller reasonably believes is a qualified institutional buyer within the meaning of Rule 144A under the Securities Act in a transaction meeting the requirements of Rule 144A,
(b) in an offshore transaction in accordance with Rule 903 or Rule 904 of regulations under the Securities Act or
(c) pursuant to an exemption from registration provided by Rule 144A under the Securities Act (if available), in each case in accordance with any applicable securities laws of any state of the United States or any other jurisdiction. No representation can be made as to the availability of the exemption provided by Rule 144A for resale of the securities.
2. It understands that the securities will bear a legend to the following effect, unless Bank deems otherwise consistent with applicable law:
THIS SECURITY HAS NOT BEEN REGISTERED UNDER THE UNITED STATES SECURITIES ACT OF 1933, AS AMENDED (THE "SECURITIES ACT"), AND MAY NOT BE OFFERED, SOLD, PLEDGED OR OTHERWISE TRANSFERRED EXCEPT (A) (1) TO A PERSON WHOM THE SELLER REASONABLY BELIEVES IS A QUALIFIED INSTITUTIONAL BUYER WITHIN THE MEANING OF RULE 144A UNDER THE SECURITIES ACT IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE 144a, (2) IN AN OFFSHORE TRANSACTION IN ACCORDANCE WITH RULE 903 OR RULE 904 OF REGULATIONS UNDER THE SECURITIES ACT. OR (3) PURSUANT TO AN EXEMPTION FROM REGISTRATION PROVIDED BY RULE 144 UNDER THE SECURITIES ACT (IF AVAILABLE) AND (B) IN ACCORDANCE WITH ANY APPLICABLE SECURITIES LAWS OF ANY STATE OF THE UNITED STATES.
In addition, each of the securities issuers will be deemed to have represented and agreed that it is a qualified institutional buyer as defined in Rule 144A, that it is aware that the sale of it is being made in accordance to Rule 144A and that it is acquiring the securities for its own account or for the account of a qualified institutional buyer.

Yes. After establishing the CIC tailored for each particular project, “BanClear” register, verifies the value of the Capital Investment Certificate(s) and establishes triple guaranty for the Investor(s). 1) Guaranty of “the Capital” by Bank or Insurance Company, 2) Guaranty of “the royalties” by “BanClear” and/or Insurance company affiliated to “BanClear” 3) Mortgage on the corporation’s project.

The formula is established for a period of 10 years, and the maturity of the CIC will be at 10 years from the date of sales. “BanClear” offer only one type of CIC with a fixed Royalty rate, each CIC in regard of the project has been proper rate; larger investments may earn higher Royalty rates

The minimum capitalization is US$ 10,000,000.00(TEN MILLION US DOLLARS)

Conventional Corporate Notes, Securities, Shares, are strictly Company obligations and are normally not guaranteed by Banks or Insurance Companies, the “Risk Factor” is high.
Comparatively a CIC is guaranteed by:
1. The Corporation Capital Shares.
2. 100% of the CIC Capital is guaranteed by the 50% deposited in Banks
3. 100% of the CIC Royalties, represented by the “Certificate of Obligation” is guaranteed by Insurance. (Depend if the Corporation accept to pay the “Financial Insurance Premium” cost.
4. Royalties are also guaranteed by the Project First mortgage basis
5. Capital & Royalties are guaranteed by “BanClear” who control with the Corporation as venture all the Capitalization formula.
6. CIC is the unique financial instrument fully collateralizes and guarantied 100%.

Principal Client or Corporation will determine the % of the yearly Royalties, pay annually to the Investor. The royalties are calculated in function of the margin profit or the Corporation or Project.

No, the rate is fixed for a period of 10 years.

Investor with a fixed CIC term, will notify that his CIC is coming due and be inform of the date of payment. At that time Investor will have the opportunity to complete a new subscription agreement, for a new CIC with the same term or a different term. Unless Investor subscribed a new agreement, The Bank will pay back to “BanClear” the principal amount of the CIC to be reimbursed to the Investors, and the Corporation the accrued interest at maturity.

Yes, Investors may redeem a CIC, or exchange the CIC for another “BanClear” project with higher Royalties rate. Early redemption rights are subject to certain other limitation outlined in our Prospectus, including penalty. There is no penalty for early redemption in the event of death or disability. There is no redemption fee or penalty for CIC that are repaid at maturity.

Each Client Capitalization is designed and promoted in space allocated on “BanClear” Website page. Brokers, Securities Houses, Investors will have access to all the program(s) of Investment, designs, location, feasibility studies, amount, Royalties report, interest payment report, daily quotation of their stock “BanClear”, and augmentation or subscription to different program(s). Internet Stock “BanClear” will not be used as a sales agent, but “BanClear” page will promote the applicant’s Investment Program and take advantage of all the potential resources of Internet.

Only Broker(s) or Securities Houses recognized by “BanClear” may propose the investment formula to Investors and/or their own client(s) through their established network. Broker(s) or Securities Houses affiliated to “BanClear” will have direct line of communication. They will have the right(s) to deal on behalf of and for the account of their clients and investors

Principal/Client is looking for funds to develop project & request “BanClear” to study the financial possibility for such project, through “BanClear” “Formula” or financial sources. Principal/Client will retain “BanClear” services and execute Services Agency Agreement. Development of project(s) Financing - Re-Financing, Augmentation of working Capital, Increase value of Corporation, Structuring, Expanding, Acquisition. Less costs of conventional financial transaction

After evaluation of the project and verification of the application, “BanClear” will propose to the Principal/Client different options, Principal or Client accepts to render our services & pay the Pre-Budget to Constituted his own Financial Corporation and signs the Corporate Development Agreement. (CDA).

As Pre-Budget for his Capitalization, Client/Principal will have the option to pay % of the Capital declared to “BanClear”, designated Law firms, or to a qualified Escrow Agent in trustee for all the following Services. 1. Within 15 days of the pre-budget payment, Client/Principal will receive his new corporation duly registered in English and Spanish, Corporate Shares of the corporation, Registered Books of the Corporation, General Power of Attorney, Registration Certificate duly executed, Articles of Incorporation, 2. Within 30 days of the pre-budget payment, Principal will receive, Taxes Capital declaration certified. 3. Within 45 days of the pre-budget payment, Principal will receive CIC registration number, Printed Capital Investment Certificate(s), Printed Obligation Certificate(s), Memorandum of Private Placement.

 Formation of the Corporation of Investment,  Establishment of the Articles of Incorporation,  Registration and Declaration in the Public Register,  Declaration of Shares Capital,  Annual taxes for the Corporation,  Taxes & Declaration of the Capital,  Legalization of all Documents related to the corporation,  Resident agent,  Address of the corporation,  Translation, Certification,  Legalization with the Ministry of Commerce,  Legalization with the Ministry of Foreign Affairs,  CIC & CO- MPP.

Printing of the Capital Investment Certificate(s)
Printing of the Obligation Certificate(s)
Security to avoid duplicate and fraud
Printing of the prospectus Offer the Investment to Brokers, Securities Houses or Investors

After receiving all the above-mentioned documents Principal will become a “BanClear” member, sign in the “BanClear” Capitalization, open a Management and Security Account, (MSA) in order to promote and market their Capital Investment Certificate(s) to Brokers, Security Houses, and Private Investors.

Principal will appoint Deposit Bank or Insurance company as guarantor to deposit funds related to the sales of the Capital Investment Certificate(s) or Principal can use “BanClear” banking facilities as trustee and receive the value of the sale of the Capital Investment Certificate(s).
1. In conformity with the “BanClear” formula 50% of the amount received by Bank(s) as product of Sales of Capital Investment Certificate(s) will be deposit for a fixed term of 10 years. Each Capital Investment Certificate(s) will be 100% value guaranteed to be reimbursed at maturity date by the Deposit Bank or subsidiary.
2. Principal will receive, at each sale of Capital Investment Certificate(s) the balance of 50%, less “BanClear” and Brokerage commission to realize its project.
3. Through “BanClear” banking facility Principal will pay Royalties to the Investor(s), fees and commission to Brokers or Security Houses.

“BanClear” may, in the ordinary course of its business, pay a commission to the broker for effecting a capitalization transaction in excess of the amount of commission another broker would have charged. This will apply if “BanClear” has determined, in good faith, that such commission was reasonable in relation to the value of the brokerage, research and other relevant services provided by such broker, viewed in terms of either a particular transaction or “BanClear” overall responsibilities in connection with the particular account. All the contents of this file and other files related are confidential and are the exclusive property of “BanClear”. Its use or review without prior written authorization from “BanClear” will invalidate all documents and commitments made by “BanClear” and/or affiliated. Bank transfer must make all payments and deposits. BanClear” will not accept any payment in cash bills and therefore will not be responsible for payment in cash to any agent(s), broker(s) and/or third parties.