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%9.00 APY* or higher Far beyond the
national average 963 Investment
Certificate of Deposit Investment CD program |
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FAQs Q: What is a
CD? A: A certificate
of deposit or CD is a time
deposit, a financial product commonly offered to consumers by banks, thrift institutions, and credit
unions. It is intended that the CD be held until maturity, at which time the money may be
withdrawn together with the accrued interest. Q: What is an investment CD? A: An investment certificate of deposit or Investment CD is a time
deposit, offers many of the same benefits the a CD but may offer a higher
APY(Annual percentage yield) then a standerd CD from banks, thrift institutions, and credit
unions. Instead since this is something unheard of to many of you, many
who earn money or receive money throw social secerity or a pention might save
their money and those who are adventures may wish to invest their money.
Experianced investors may tell you that investing money is always a risk but
in terms of an investment CD there is no risk. While investors often loose
money in the stock market, you can only earn money throw the high interest.
We are happy to tell you that we are the first to offer such savings tool. Q: Do I receive dividens? A: Yes, after
each quarter(3 months after the birthdate of your CD) your investment CDs
will compile dividens up to %0.75 percent or higher Q: Why do something like this? A: 963
Productions has yet to incorperate or establish itself as an L.L.C., that is
why we are doing this. Q: How does this work? A: It’s
simple but complex at the same time, while some companines offer credit cards
such as Wal-Mart, Home Depot, exe. These companys have the potental of
loosing money as well as their share holders from doing this. A company
wheither established, start up, or unlicesed not must open a high yeild
savings account with a monthly interest rate atleast %2.75 or higher, divide
that amount in half for example 2.75 divided by 2 = 1.375 but we calculate
%1.35 monthly interest every month from the money that you are saving with us
and doing so protects your saving. Q: If I make a withdrawl before my CD matures, will I
pay a penalty? A: No, we are
always going to naturally asume that all CDs where purchased using a credit
card instead of avalible funs(This will allow you to make the nessicary
monthly payment to the credit card company. Even if a credit card company
tells us that it’s not the case because paypal does not give out credit or
debit card numbers to sellers either from an Ebay or outside Ebay purchase
but a $4 service charge will be made for every withdrawl. Even if the CD has
matured. Q: How much can I withdrawl? A: Only your
dividens can be withdrawled, your original balance and APY* remains with us
until you cash your CD. Q: What if I cash my CD before it has matured? A: If you do
so, then you will receive only the anital balance and your APY* and remaining
dividens will be forfit. Q: If this is also an investment then what am I
investing my money in? A: At this
moment, lets simply say “feature film productions” and someday maybe T.V.
programming, book and magazine publcations and radio broadcasting. Q: As far as saving my money in the bank and saving it
in this investment CD program, any benefits saving with you guys? A: Yes, once you process an investment CD, some of the
benefits are as followed. All withdrawals of your dividends are sent to you paypal account
and from there you can deposit the money into your bank account. Also, since
investors who hold publicly traded company shares may receive bonuses after a
profitable year. You to will receive bonuses added to your CD if a feature
film makes back 5 times its original budget in domestic and international
profits. Q: Will I be given
proxy votes? A: Believe it or not, you will. Both the chief and the owner
will have 1,000 proxy votes if we decide that a final decision on an
investment choice or a problem that might occur. The number of proxy votes
that the holder of an investment CD has is determined by the amount of the
initial deposit and term. Q: Will my
APY* ever go up? A: Unless you have bought a 2 year CD, then no. All CD’s APY*
and quarterly dividend rates are fixed. A 2 year $100.00 USD CD will start
earning %10.00 APY* after maturity and will also be fixed, the interest rate
will remain the same. Q: Can I have
more than one CD and is their a limit of how many can be produced? A: Yes, you can have as many as you want and as many as you
can afford to buy, and there is no limit on how many can be produced. Q: Will this
program continue if 963 was to incorporate; even under a new name? A: Yes. Q: Will I be
receiving anything in the mail? A: Yes, you will receive an employee containing your certificate,
a sale contract if ever you wish to sell your CD, 6 withdrawal slips, and a
details chart of your earnings for the life of your CD until maturity. Q: What will
happen if someone tries to cash my CD in their name? A: We keep written records of how many CD’s are out there, as
well as current and previous owners. If someone tries to cash in your CD
using someone else’s name or their own name. We will contact state
authorities in the state from where it was mailed. We will never cash a CD
unless a return address is on the packaging and the CD itself is signed by
the current owner. Q: What does 963 require me to do in order to sell a CD to a
second or third party. A: You are to make a black and white xerox
or photocopy of the sale contract for your CD included when you first got it.
It has to be sign by both the previous owner, the
new owner, and a witness. A xerox or photocopy of
the signed contract is to be mailed to us either upon purchase or when the
new owner cashes it. We no not require a cash purchase to be made out the to the previous owner before a transfer is finalized
and a new certificate does not need to be made as long as it is never lost or
stolen. Q: Who are
considered a second party and third party? A: A second party is a family member related to the owner by
blood or marriage; a third party would be someone outside your family
entirely. That includes either a boyfriend,
girlfriend, business man, another share holder, or anyone else outside your
family. Q: What do I
do if my CD is lost or stolen? A: In this situation if lost it is best that you keep the
original copy of the sale contract in a safe place like for example a safe at
home or a safety deposit box at your local bank. If stolen then contact your
local authorities. Q: What if I
die? A: The beneficiary will be required to send us a copy of the
death certificate plus a copy of sale contract signed by the beneficiary
under new owner and signed by a witness. Also keep in mind that their will be
a two month delay to verify the authenticity of the death certificate and a
$20 dollar service charge taken out of the CD itself. If the deceased owned
more than one, an additional $20 will be charged for each beneficiary. Unless
we have a copy of a legal will, the combined balance will be evenly split
between all beneficiaries and sent by postal money order at the recipient’s
expense along with postage, tracking, signature confirmation, and shipping
insurance fees. Q: Can two
people own a single CD? A: Yes, use the send money option on your paypal account. Use the instant cash option, and in the
message box include the name of the co-owner as well as a paypal
account that is accessible to the co-owner. When a withdrawal is made by one
owner, a single $5 service charge will be made under both owners expenses and
the co-owner will be notified by email. When cashed, the remaining balance
will be evenly divided and sent to both papal accounts. Q: What are
the current terms? A: 3 Months, 6 Months, 9 Months, 1 Year, and 2 Years. Q: What are
the current minimum balances? A: $100; $500; $1,000; $5,000; $10,000; 15,000; and $20,000 Q: How do I
get more than %9.00 APY* A: A $500 CD will earn %9.07 APY* and your quarterly interest
rates will be higher as well. As stated above, a 2 year $100 CD will start
earning %10.00 APY* after maturity? Q: Will all 2
year CD’s go up in APY* after maturity A: Yes, for example our highest minimum balance of $20,000
will start at %9.35 APY* and will go up to %10.49 after maturity and will be
fixed? Q: What if the
interest rates and APY* ever goes up or down? A: They can only go up and that will only apply to those who
buy new CD’s Q: What will
happen if the bank account where 963 is holding my
money starts earning a higher interest rate every month? A: As stated before, the interest and APY* is fixed on all
CDs, just the purchase of a single $20,000 CD will force the bank to raise
our interest rate from %2.75 to %2.9, if the amount of the combined original
balances of all CDs becomes $75,000 then our interest rate will go up to an
even %3.00 and that $4 service charge and $5 dollars for CD co-owners for
every withdrawal if dividends won’t even have to be charged as long as the
balance remains that way so that means that there is a major incentive for
investors to refer their friends and family to our website. $4 and $5 service
charges for withdrawals will add up to money lost for the investor primarily
because we do have to pay someone every month to make sure that those who want
to receive their quarterly dividends every certificate quarter receive them
throw paypal. For more
information contact me |