New York, NY -- (SBWIRE) -- 01/11/2011 -- It is evident the problem today is working with banking programs is a rather unfortunate consequence of unlicensed parties such as brokers, intermediaries and consultants who’ve elected to become involved in banking programs and solicitations for which there is no success and they misunderstand how true banking programs operate at the fractional reserve banking level.

Another fact, are many good people have previously been, and are still being misled to believe mystified banking programs which results in losing their money, chasing the commonly claimed myths relating to banking programs and the use of bank issued securities.

Successful trading has never taken place utilizing blocked funds, reserved funds, funds placed under administrative holds, or into non-depletion accounts.

Examples of securities are certificates of deposit (CDs) which are bank instruments which are negotiable instruments issued to a client based on their cash deposits. Certificates of deposit are though not used to secure credit lines or loans for trading; nor are they used as collateral to fund projects.

Standby Letters of Credit and Bank Guarantees (SBLCs & BGs) are bank instruments that are traditionally used as a method of payment, much like a bank draft for transactions involving the acquisition, buying and selling of actual products or services in international markets where the buyer and seller use the bank issued instruments to effect payment for actual products bought or sold such as commodities like rice, sugar, and other bulk commodities.