Compare CD Rates and safety of your current financial institution vs. BTUBANK

DISCLAIMER: BTUWorldBank (BTUWB, Inc.) is not a financial institution. We do not accept deposits, investments, capital or pay any dividends. We assist investors in pooling assets, forming their own Board of Directors or working with an existing Board, and thereafter, chartering regional BTUBANKs to invest in Energy Projects worldwide. BTUWorldBank does not own stock, nor receive any portion of profits from Regionally Chartered BTUBANK branches, loans, projects or individual branch owned stock. As a 'Not For Profit' entity, BTUWorldBank earns it's revenue by providing the Oversight, Software MIS Systems and educational material, assistance to the Board and operations staff, guidance and in some cases, branch staffing for newly formed Regionally Chartered BTUBANK branches. (click button to use utility) Our "Team Investment" approach was developed by our staff who has worked with International and national banks, savings and loans and mortgage brokers and allows depositors with both Commercial Lending Models (normal 'bank'), as well as depositor and community owned Credit Unions (common credit union structure), to earn higher CD rates by channeling bank profits back to depositors and investors, rather than to large Executive Salary and bonus plans. Investors who form their own BTUBANK branch can still earn a great return of 50% or more per year, while insuring depositors earn the highest CD rates in the industry. The primary instrument (type of loan) BTUBANK branches develop to generate revenue are related to energy projects, primarily renewable energy, such as: Wind power Biofuels Hydrogen fuels Geothermal Wave, tidal and ocean convection Hydro-electric Solar Some branches, especially those located in Texas, Oklahoma, Alaska and other oil rich areas and nations may also have oil and gas interests or other conventional and nuclear powered generating station projects on their balance sheet. BTUBANKs do not generally create mortgages, issue revolving credit cards or lend for land purchases unless the land is part of the business plan of the new generating station or a fuel production facility. BTUBANKs do not lend capital for purchasing residential mortgages, consumer loans or other 'high risk' products most banks participate in, until such time as the BALANCE SHEET of a bank has sufficient reserves, both to continue expansion of funding renewable energy projects and risk 100% of the capital loaned for residential mortgages. Typically, this is 5 - 10 years after establishment of a BTUBANK branch. BTUBANK branches DO create jobs and DO fund occupational training facilities for those jobs. The safety of our model is high compared to residential mortgage lending and consumer lending (credit cards), both of which have proven to be extremely risky in the past few years. We achieve a high level of safety by: Like most banks, BTUBANK deposits are backed by FDIC insurance, and BTUBANK Loans create a second level of insurance which is unavailable to banks making home loans: construction performance completion bonds and insurance on operations of generating stations. Compare this to a normal bank lending on residential mortgages: if the loan fails, the bank takes a loss. If construction of a renewable energy generating station (i.e. wind farm) fails, the BTUBANK's losses are minimal, since the project is bonded and the loan is repaid immediately. BTUBANK's make heavily collateralized loans; where the collateral is based on a combination of Fixed Assets such as wind turbines, copper, generating station and transportation related assets, as well as Power Take Off, and Fuel Take Off agreements. Unlike home loans made to consumers, which only generate loan origination fees and revenue from the annual interest rate charged, BTUBANK loans are designed to generate two types of revenue: Revenue from interest at competitive rates: BTUBANKs generally charge lower interest rates than either Venture Capital sources, Hedge Funds or Mezzanine financing models, and Ownership in projects: BTUBANKs (or their Directors or Depositors in the case of a credit union), may own stock in profitable projects that offer a high ROI and a rapid exit strategy to protect and secure the initial capital, while providing a long-term revenue stream for subsequent periods of distribution of earnings. BTUBANK loans focus on projects with a high ROI. Typical wind farm ROI is a thin 7% - 15% and a 'typical' wind farm or 'solar farm' may not be suitable for a BTUBANK loan. BTUBANK Loan Officers are trained to fund projects that provide a 20% or higher ROI and in many cases, the project ROI will exceed 40%, forming the basis for additional revenue through equity (stock) in the project. In some cases, BTUBANK Loan Officers may ask a borrower to work with a third-party architect-engineer or facility design team to modify the original project to bring the ROI up to BTUBANK standards so a loan can be approved. Depending on the group who forms their BTUBANK branch, and the region, state or nation where the branch is located, the equity (earnings from stock) may also be placed in a separate holding company and is generally owned by either the BTUBANK Board of Directors (commercial lending BTUBANK model) or, The equity in the facility may be owned by all of the depositors or members of a community trust, based on their level of deposits (credit union BTUBANK model). In this case, the equity can be channeled into other renewable energy projects or diverted to provide a solid, high-reserve basis for any home loan, student loan or consumer loan programs. Naturally, stock in any facilities may also be owned by a Pension Fund or other pooled asset source that has pooled assets to form a BTUBANK branch. State and national laws vary by region and each BTUBANK operates independently, but as a rule, since the number of investors in a BTUBANK charter is generally small, and the retail activities (over the counter deposits, and in-house consumer and mortgage based loans) are also generally small, the BTUBANK model provides a high level of revenue and a low cost for operations. There are no ATM fees or other finance charges for deposits or withdrawals made from one BTUBANK to another and assets (accounts) are easily transferred from one branch to another, thereby saving depositors the expense and headache of dealing with multiple banks. Additionally, BTUBANKs generally pay the ATM fees charged by other banks, so that if you use your ATM card at a non-BTUBANK and are charged a $2.00 fee, some (or all, depending on your branch policies) of those fees are credited back to your account. Those BTUBANK branches that have sufficient reserves to deploy a consumer credit division (i.e. revolving lines of credit), generally charge much lower interest rates to customers than other banks charge, and there are no 'hidden fees', 'dramatic rate rises', or other shocks to the consumers using the revolving credit. Late fees are generally capped at 10% or less of the actual amount due and the interest rates charged on a revolving account does not change just because the consumer is in default. BTUBANK branches encourage customer loyalty not just through much higher CD rates, but also by avoiding practices of gouging customers for additional fees common with other banks. Since the vast majority of our revenue comes from renewable energy infrastructure projects, and we are 'A Green Company', it doesn't make sense to use old practices that have clearly proven to be problematic to other banking institutions, customers and regulators. BTUBANK Credit Unions are primarily designed for communities seeking to increase the number of renewable energy facilities in their area and who wish to share in the profits of these generating stations, both through revenue generated by the BTUBANK making the loan and the associated higher CD rates, as well as to provide local jobs, third-party employment and business development opportunities and educational grants and scholarships. BTUBANK branches look for projects that have 'a community focus'. In these BTUBANK facilities, depositors are more likely to be made up of a local work force employed either during the construction phase (i.e. of a wind farm) or during the operational phase. Depositors might also be employed in a local 'factory' providing parts for a thriving wind industry; i.e. a wind turbine blade factory. Additionally, for those BTUBANK branches that are set up under the credit union models, once sufficient reserves are obtained through profitable loans with proven repayment history and through other energy related activities, the Board of Directors and Depositors (stock holders) may wish to begin offering a limited number of low-risk mortgage loans, auto loans or consumer loans (credit cards) to their depositors who have solid employment history, a good credit score and since they are working at a brand new wind farm, solar field or other project that has already proven itself to be profitable and able to service its debt, their chances for long-term employment, leads to a good, long-term salary, produces a depositor/borrower who is likely to be on time with their payment for any mortgage, auto loan or revolving credit program. The BTUBANK model was developed to provide safety and stability, both for the initial lenders (investors) who form the Board of Directors for a given BTUBANK branch, and for the new facilities seeking loans at reasonable interest rates compared to other methods of financing, and for the community of local depositors who may wish to receive much higher CD rates than other banks can offer. Our model was designed by a team with 30 years in the banking and mortgage industries, utility grade power, generating station design, development, construction and operations, pension fund, insurance and annuities management, compliance, judicial oversight and legislation development, both in the U.S. and overseas and experience developing commercial and retail programs for banks that provide long-term revenue streams and a solid basis of reserves to work from. The BTUWorldBank team brings these skills, programs and benefits to: Accredited Investors made up of both Private Equity and Institutional Investment pools, ...Who wish to combine assets through our "Team Investment" program to form a BTUBANK branch and thereafter, receive returns of 30% - 50% and more, and; ...Receive 100% of their initial capital back, generally in under one year, and; ...Thereafter enjoy long-term revenue streams from profitable renewable energy (and sometimes conventional fuels and energy) projects, that are safe, well collateralized and wrapped by multiple layers of bonding and insurance throughout the life of the investment. SAFETY FIRST: At no time does the Investor's initial capital leave a bank account (vault) they control. At no time does BTUWorldBank collect funds or pool investor capital in our own trusts or bank accounts. At all times the capital is insured against loss and is under the Investor's control in an FDIC insured vault. During the initial stages of developing a BTUBANK branch, that 'vault' is likely to be a well-established third-party bank, i.e. BofA, Wells Fargo, Citi or U.S. Bank. Additionally, chartered BTUBANK branches may also wish to preserve their capital against a devaluing dollar by holding gold, silver or other precious metals in the vault in lieu of cash. This means that if the dollar experiences a severe devaluation, assets held in gold bullion, including those CDs tied to a gold standard, do not lose their value, but in fact go up in value, thereby increasing yields further and protecting against rampant inflation due to a ballooning national debt. This model works in both the U.S. and in BTUBANK branches chartered overseas. Individuals may also wish to invest smaller amounts either through high-yield CDs or to form their own BTUBANK commercial branch or credit union. At no time do individuals give BTUWorldBank any deposits or capital for investments to form a bank. Your funds are either: Held in a third-party bank as described above, until your new BTUBANK branch is approved, or Held in an existing BTUBANK in a trust under standard FDIC insured accounts (U.S. branches). Again, BTUWorldBank does not own stock or earn revenue from individual regionally chartered BTUBANK loan proceeds or equity positions. We are a guide providing oversight through a systems team that brings 30 years of experience in banking, lending, pension fund management, compliance, utility grade power and international law. We are a facilitator, not a participant. CD Rates: Because each BTUBANK is owned by the Investors who generally form the Board of Directors (in the case of a commercial lending institution) or owned by the Depositors (in the case of a Community Credit Union), the bank can pay a higher CD rate than normal financial institutions that are owned by outside stock holders who often have no Board position or have any deposits with a bank. The BTUBANK model distributes dividends through both higher CD rates to depositors and through the distributed earnings of any facility (project) stock that benefited from a BTUBANK loan. Compare this structure to your current bank, which may be paying much lower interest rates. The chart at right is a snap-shot of a few banks nationwide and the rate they are paying for one year CDs, and minimum deposits required. Use the calculator below to figure the difference in income you earn with a higher CD rate through a BTUBANK. CD RATE COMPARISON UTILITY FOR DEPOSITORS, CREDIT UNIONS AND BTUBANK FOUNDERS Your Bank One Year CD Rate: (you may select from table at right) BTUBANK One Year CD Rate: (BTUBANK CD rates start at 10%) BTUBANK Average Project ROI: (ROI earned by borrowing entity must start at 20% to receive a BTUBANK loan) Investor's Project Equity: (Amount of stock in projects held by the community based investors who generally also form the deposit reserves for the BTUBANK branch) Note: BTUBANK and our partner affiliates created one of the few renewable energy methods that works directly with communities to help them earn both revenue from bank and credit union operations, and through investments by private citizens in local renewable energy projects, often issuing 10% - 30% stock in the project. BTUBANK tries to work with those projects that encourage local job creation and that share profits and dividends with local communities. Learn more >>> BTUBANK Founding Board Investment Percentage: Based on your ability to raise CD deposits by offering a high rate, the suggestions are: 1% if attracting deposits in this region may be very easy 3% if attracting deposits may be fairly easy 5% if attracting deposits may be somewhat difficult 7% if attracting deposits may be very difficult 10% if attracting deposits may be impossible 12% if the Board lacks at least one Member with banking experience 16% if anyone on the Board has bad credit or 'questionable' history 20% if the Board has poor credit, no banking experience and attracting deposits will be impossible Project Size: (Typically $50M - $5B) FOR DEPOSITORS DIFFERENCES PER YEAR PER $10,000 Your Bank One Year CD Profit: (Interest you earned) BTUBANK One Year CD Profit: (Interest you earned) BTUBANK CD Advantage: (Additional interest you earned per $10,000 in CDs depositing in BTUBANK) FOR BANK STOCK HOLDERS AND COMMUNITY BASED INVESTORS REVENUE PER YEAR PER $10,000 BTUBANK Gross Loan Profit: (Earnings from Project Loan Interest per $10,000 in CDs is based on a 5 percent spread between cost to borrow funds (inter-bank loan or Fed) and interest rate charged to renewable energy project) BTUBANK Net Profit: (Earnings from loan interest minus CD expense paid to depositors per $10,000 in CDs) Community Based Investors (BTUBANK Depositors) Share of Project Equity Revenue: (Gross earnings from equity in entire project) Project Equity for Community Based Investors Revenue per $10,000: (Earnings from project equity per $10,000 in CDs) NET REVENUE FOR BTUBANK AND COMMUNITY INVESTORS PER $10,000 IN CDs: (Loan Revenue, plus Stock, minus 10% to any third-party CD depositors) FOR BANK STOCK HOLDERS AND COMMUNITY BASED INVESTORS BTUBANK AND PROJECT TOTALS Number of $10,000 CD Depositors Required: (includes BTUBANK Founder's Capital) TOTAL NET ANNUAL REVENUE FOR BTUBANK AND COMMUNITY INVESTORS FOR THIS PROJECT: (Loan Revenue, plus Stock, minus 10% to third-party CD depositors) RESERVES REQUIRED: (Based on project size above, the institution will need a minimum of this much capital in CDs and Founding Member investments) SUGGESTED MINIMUM BOARD ORIGINAL INVESTMENT: (Investment by Board to open BTUBANK branch) TOTAL RETURN ON INVESTMENT (ROI) FOR THE BANK AND COMMUNITY: It should be noted that this ROI and earnings is in addition to the BTUBANK interest paid on the $10,000 CDs. These earnings are distributed among: Bank Founding Members (stockholders) and/or Credit Union Members (depositors within the community who are the Credit Union stockholders) And investors in the community who may own equity in the project Additional benefits and revenue, in terms of jobs, social service programs, charities and funding for schools, youth and family agencies would be approximately: Direct wages for project related jobs: Indirect wages for jobs: Landowner Lease Revenue: Funds for schools, youth and family agencies: (varies by the project developer selected) (Labor, lease and charity figures above are calculated on benefits to a community of a typical $3 billion dollar wind farm. Actual figures will vary, depending on the size of the project.) As the table at left shows, the BTUBANK CD model is far more profitable than normal CD rates offered by other banks, both for smaller depositors and those founding members who provide $1,000,000 or more in initial capital. This model is especially ideal for communities struggling with economic blight in today's recession: the BTUBANK model provides a mechanism to pool resources and obtain clean, green energy while making a tidy profit along the way. When the BTUBANK is formed as a credit union, CD depositors share in both the higher CD yields and the profits from lending activities and project equity. COMPARISONS AND CONCLUSIONS: You can buy U.S. Treasuries: as the charts below show, U.S. Treasuries are no longer considered 'low risk' instruments. The U.S. government has been forced to raise rates on long-term Treasuries and foreign appetite for U.S. debt is waning. Due to skyrocketing national deficits, many financial analysts wonder if the U.S. government will soon be in default. If that happens and your capital is locked into a low yield CD, you lost: The interest advantage you could have earned in a BTUBANK account. The revenue you could have earned as a BTUBANK Founder or Credit Union Stock Holder. The inflationary effect that eroded the value of the dollars you were returned. The taxes you still had to pay on the interest you did receive. Under this scenario, you lost a large portion of the capital that formed capital you put into Treasuries. You could invest alongside Venture Capital Firms, such as in the Bio-Tech (meds) or High-Tech (software/hardware) sectors. Both of these sectors have generally proven to deliver short-term gains at best, are extremely risky and rarely offer long-term potential. Even when a firm is doing well over a period of years, (such as Genentech was doing in San Francisco), there is a good chance a 'hostile takeover' can wipe out any long-term upside potential, as happened to Genentech, or worse, a downward spiral in the global economy can wipe out any long-term profits gained from firms related to chip manufacturing or software or internet products: are you willing to risk your capital on a 'hope and a prayer' that your new 'Social Network Web site' pays dividends this year? AT BTUBANK WE BELIEVE THE SAFEST INVESTMENTS ARE IN RENEWABLE ENERGY AND INFRASTRUCTURE FOR COMMUNITIES ESPECIALLY WHEN THE INVESTORS (THE DEPOSITORS) ARE PART OF THE COMMUNITY ITSELF You could invest in oil, coal and gas companies and these are probably one of the safest bets. As oil and gas supplies begin to dwindle and prices skyrocket, you'll see increased profits and at the same time, increased expenses related to exploration. As many firms experienced in 2008, depressed prices for oil caused a drop in earnings. Additionally, few oil and gas firms create jobs or a healthy economy at the local level that a good wind farm, solar project or geothermal facility can do and many people have an aversion to continuing to fund non-renewable and toxic facilities that continue to damage our atmosphere, produce green-house gasses and are primary causes of global warming. There are smarter ways to invest your capital, both for higher yields and safer, more stable returns and that 'enhance' rather than damage our environment. You could invest in commodities, currencies or precious metals and if you are lucky and get your trades just right, you can make a fortune overnight. The problem is that currency markets are a roller-coaster ride that require 24/7 attention and commodities, such as wheat, corn and metals are also risky, especially if you buy on margin: you can be wiped out before breakfast. The one aspect of this last option relates to gold and silver, as well as copper and aluminum: because BTUBANK related projects are involved in energy, fuels and power transmission, part of our 'hedge' strategy is to be part of the metals markets. Copper and aluminum play key roles in both the generation and transmission of power, and gold and silver play key roles in keeping a lid on the effects of inflation, thereby eliminating the losses investors experience at 'other banks' when they are locked into CDs at low rates during high periods of inflation. You could also buy Stock in U.S. corporations. Typical S&P 500 U.S. Treasuries, which are no longer considered 'low risk' instruments. The U.S. government has been forced to raise rates on long-term Treasuries and foreign appetite for U.S. debt is waning. Due to skyrocketing national deficits, many financial analysts wonder if the U.S. government will soon be in default. If that happens and your capital is locked into a low yield CD, you lost: The interest advantage you could have earned in a BTUBANK account. The revenue you could have earned as a BTUBANK Founder or Credit Union Stock Holder. The inflationary effect that eroded the value of the dollars you were returned. The taxes you still had to pay on the stock dividends you did receive. Under either of these scenarios, you lost a large portion of the capital in either Treasuries or Stocks or Bonds. Look at the trends in the graphs below: is this where you want to invest your capital for safe returns? Think again! According to the graph below, taken directly from Federal Reserve Data and the Standard and Poors web site, anyone involved in either Treasuries or the S&P 500 as of June, 2009, is losing money hand-over-fist over the last 10 years. Is that what you would consider a safe investment? HARD CHOICES FOR COMMUNITIES THINK U.S. TREASURIES ARE SAFE? THINK AGAIN! Treasuries are no longer a 'low risk' investment THINK STOCKS ARE SAFE? THINK AGAIN! The crash of 2008 proved Wall Street is no longer a 'low risk' investment. Unless you are a gambler and a day-trader, willing to stay up all night, risk everything on currencies and commodities and hope for the best at the end of the day, it is likely you will lose everything. Compared to the BTUBANK CDs and Community Based Investment models, the alternatives above are neither safe, nor are they as profitable and nothing can enhance a community like a new wind farm hiring hundreds of people, producing jobs, revenue for schools and once the project has a new facility has a proven track record and the employees have demonstrated their desire to show up for work each day, on time and ready to do a great job, plenty of reserves for lending for other needs, such as home loans, auto loans and revolving credit programs made to healthy communities focused on growth and prosperity. There is nothing 'speculative' about the BTUBANK model. It is based on: Proven technology: the ROI is based on engineering and equipment that has been proven in the field. Proven trends in renewable energy and alternative fuel and power pricing models. Proven trends in a decline in production and discovery in the oil and gas industries. Proven health risks associated with coal, oil, natural gas and nuclear facilities: health risks related to wind farms, solar fields and other renewable energy projects are small in comparison. Proven track records of commercial lending institutions that make loans to projects that have an ROI of 20% or higher. Well known disasters that plagued banks who focused on home loans and consumer based revolving credit programs for revenue. Well known trends in rising costs to banking customers for fees and penalties: the BTUBANK model doesn't have to rely on 'fine print' contracts to squeeze money out of a community: we earn solid returns with all cards on the table and deliver a large portion of those profits back to the communities we serve. Transparency and high levels of reserves: unlike hedge funds, trading platforms and other 'derivatives', the BTUBANK branches are localized, the Board of Directors are likely to be local individuals. In the case of a BTUBANK credit union, the stockholders are the depositors drawn from the local citizens working on the project funded by the BTUBANK branch. At each step, from the process of chartering your new branch, to funding a renewable energy projects to serving the local community and growing base of customers, depositors and borrowers, the BTUBANK model is designed to be a long-term, sustainable, highly profitable and beneficial banking entity that literally can last 'as long as the winds blow over the U.S. Midwest' ... or your windy nation overseas. Letter from Craig Mead Founder and Chairman: BTUWB, Inc. When we came up with the idea to form BTUWorldBank, we sat down with attorneys and compliance officers, both from the Bank Charter and Credit Union Charter industries, and from Manhattan Hedge Funds, Investment Banks and brokerages, compliance specialists who had worked at large firms like J.P. Morgan, Prudential Securities, Goldman Sachs and others, as well as large mortgage brokerages, one representing over $50 billion in home loans nationwide. What we found were the horror stories in every sector far outweighed the long-term benefits, either to the borrowing consumer or to the citizens living in the communities served. Entire regions have been wiped out in the snowballing depression. Over 30 states in our nation are now going bankrupt. Investment Firms that thought they could fund the Obama Administration's optimistic plans to expand America's renewable energy sectors are going bankrupt or at best, are unable to raise the capital on time to have any meaningful positive impact on American communities and nations overseas that are suffering under this global collapse. We didn't just design BTUWorldBank to help America. We designed it to help any nation or community that wants to develop a long-term, sustainable future that involves renewable energy, alternative fuels, hydrogen fuel programs, manufacturing and product development, expansion of exported products to other nations and a cleaner, greener, sustainable planet along the way. The choices before every American and World Citizen and in this shrinking global village and inter-connected global economy, are many, but smart choices are few and we must work together if we expect to create a sustainable and profitable future for everyone. It is said that 'a butterfly flapping its wings in the Amazon can cause a hurricane to slam into Texas.' While that may be stretching the point, many scientists believe it to be an accurate description of how every single person's actions can add or subtract to the way our planet operates. At BTUWorldBank we decided that we'd help Investors find safe, secure and highly profitable ways of developing financial institutions that fund renewable energy infrastructure that are also sustainable and insured, and lead to building clean, healthy, prosperous communities who are also more likely to make debt service on their mortgages and consumer loans. We took a long-range view and assembled a team of banking and infrastructure experts from the U.S., Europe and Asia and designed a banking model so 'revolutionary', a Patent Attorney called our method of financing wind farms 'brilliant', both for its high level of safety and for the high yields that brought wind farm ROI up out of the 7% - 15% range, up into the 20%, 30%, 40% and more. After developing a powerful finance model with Gold Pact Power's finance and engineering teams, we worked with KWH Exchange to develop classes for allowing investors, large and small, to fund renewable energy projects. Then to insure investors would feel 'safe' in these times when every investment seems to go belly up, we developed an insurance 'wrap' that guarantees the original investors won't lose their money: called 'a Credit Guarantee' that goes beyond the insurance from the FDIC or any other federal program. We wanted investors to understand our model, to be comfortable with both the high ROI figures and the multiple layers of safety built in at each step along the way. For Investors founding a BTUBANK with $1,000,000 or more: All initial capital is returned, generally in under one year. Long term ROI thereafter is 30% - 50% or more, every year for 10 to 15 years. Your investment never leaves a fully insured bank account (vault) you control. Your investment is 100% insured so that no matter what happens, you won't lose your initial capital. Your original capital is collateralized at a 4 to 1 (up to 10 to 1) ratio backed by fixed assets (like wind turbines) in pristine condition on the factory floor: think of it like lending $1,000 and holding $4,000 in gold. Multiple layers of insurance are in place, from the 'wrap' to the coverage of all capital in your vault, to project construction performance completion bonds and 'project wraps' that take each project from design through operations. And that is about as safe and as profitable as it gets. For Depositors with $5,000 or more for BTUBANK CDs (some branches may have lower CD minimums): You won't find a higher CD rate anywhere at any bank in any nation on Earth. Our rates start at 10% because we make renewable energy project lending profitable. Your investment is guaranteed under standard FDIC insurance. BTUBANK CDs can be backed by gold, silver, copper and other industrial metals, so you'll experience minimal effects from inflation and the skyrocketing national debt many nations are experiencing today. When your CD matures, you'll still have the spending power you had before, plus a high rate of return on your CD. BTUBANKs aren't investing in risky mortgages with low lending standards and therefore, are less likely to experience either a requirement for TARP funds (Federal bailouts) or oversight from State or Federal regulators. A list of banks and their current standing with the Fed is available for the asking. Is your bank an A+ rated firm or is it in danger of going bankrupt? Do you know> You should and you should also understand that loans made to profitable, sustainable renewable energy projects are a much safer place for your bank's business. BTUBANKs and especially BTUBANK credit unions focus profits back into the communities we serve, both through job creation and new manufacturing opportunities. A healthy, prosperous community means a bank that will be there, year after year, century after century, long after the 'Fad Banks' have gone by the wayside. For Depositors with less than $5,000, and especially for Depositors who form BTUBANK Credit Unions: BTUBANK revenue and net profits are designed to provide much higher returns than stocks, bonds, treasuries, commodities or any other type of 'risky' investment, while providing the safety and transparency of a community based Board of Directors and in the case of a BTUBANK credit union, stockholders who are depositors. Under the Federal TARP program, each U.S. taxpayer was hit with hundreds of thousands of dollars of debt and risk on 'the prayer' that they would benefit from rising earnings from the banks that were bailed out. Yet current trends indicate these banks are failing at an increasing rate. BTUBANKs are designed so they don't need 'bailouts' or 'TARP' funds or create a burden on taxpayers. We avoid those risks by investing in renewable energy projects with a solid ROI, and the investors in communities with a BTUBANK benefit by accumulating equity (stock) in these profitable projects. Shareholders (especially depositors in our Credit Unions) enjoy the proceeds from both the revenue from loans, from jobs and from equity positions local citizens obtain in projects built with BTUBANK funding. We're always looking for project developers that return large portions of their profits back to the communities that support their project funding. As a depositor in 'another bank', when was the last time someone who borrowed money from your local bank sent you a check for the profits they earned on a home loan or auto loan or credit card debt? When was the last time your Credit Union sent you a dividend check? When was the last time a borrower put $20 million dollars into your local schools, youth and family agencies? These are exactly the kinds of benefits BTUBANK built projects bring to you. If this is the type of bank you wish to be associated with, either as an Investor/Founding Member of your own Chartered BTUBANK or as a CD depositor or simply set up your own checking or savings account at a BTUBANK involved with renewable energy projects, we invite you to contact us today and get started right away. As the dollar begins to devalue and our nation and other nations continue their slide into a global depression of historic proportions, the smart investor and bank customer will align themselves with a firm they can trust, a lending policy that makes sense and a profit-sharing policy that's good for both the investors and the communities we serve and an approach to protecting your assets against inflation that works for everyone. Please contact us today if this is the type of bank you've been waiting for. Sincerely, Craig Mead Founder and Chairman BTUWorldBank www.btuworldbank.com (BTUWB, Inc.) Note: if you received this from a sponsoring investor, do not write a check or give any money to anyone, or invest or deposit into any BTUBANK. Do not give money to any 'friend', associate or BTUBANK employee, until you have contacted us personally and determined: The licensed, approved, chartered BTUBANK branch or credit union you wish to open an account, and then make any deposits through an actual 'brick and mortar' BTUBANK location, or For investors, any funds you provide should be managed by The Group who is forming your new Board of Directors to charter (open) a new BTUBANK branch location. At all times during the formation of your new BTUBANK, you should have licensed, experienced legal counsel available during the formation of your new BTUBANK location, and At no time should your investment leave a bank account (vault) over which you have control. BTUWorldBank does not accept investments or deposits. We assist new, planned BTUBANK branches with their formation and charter process, employing trained, licensed, third-parties (depending on Region, State or Nation) with formation of their new BTUBANK entity and thereafter, we provide the systems, educational and operational material and in some cases, staff to run the new licensed, chartered BTUBANK location. TO GET STARTED: For investors with no experience in banking or who want to gain an education before spending a dime (a wise idea), we recommend class at KWH Exchange. When you're ready, please contact us and tell us if you are interested in: Investing in the formation of your own BTUBANK location with other Investors. We will put you in touch with groups in the regions you wish to consider and assist the group in the step-by-step process of forming their own BTUBANK. Depositing through CDs (certificates of deposit). When you are ready, your CD begins to earn 10% (minimum) per year, even if it is in another account at another third-party bank! Certain terms and conditions apply. Depositing smaller amounts at a local BTUBANK in a normal checking or savings account. Based on your regional preferences, you will be directed to a BTUBANK that is either already operating or is in the process of being chartered for renewable energy projects in that area. Be prepared to provide proof-of-funds. In the case of Investors or CD depositors, that means a licensed attorney (any amounts over $1,000,000) or authorized BTUBANK Operations Staff (amounts less than $1,000,000) will contact your current bank manager and request a certified letter or other instrument (varies by bank and country) that proves you have sufficient funds available to join an Investment Team that is forming a Board of Directors and a new BTUBANK location. CD Deposits for any amount may also be made by cashiers check at licensed, chartered BTUBANK locations. Prior to releasing any banking information, you may speak to anyone at the BTUBANK location you have selected, including a customer service representative, operations manager or other staff who may be involved with your proof-of-funds verification, opening a CD account or any other transaction, to verify their identity, or in the case of a licensed attorney, verify their status with the State Bar. Never give any banking information to any third-party (or person claiming to work for BTUBANK), whom you do not know personally, or have not verified, either through your own bank manager, your CPA or a licensed attorney. Investors forming their own BTUBANK should be prepared to sign Letters of Intent (LOI) and thereafter, once the pool of capital is formed for your new bank, contracts and then documents related to Board Meetings. At no time will your capital leave an account you control, nor will any liabilities be drafted against your funds. However, once your process of forming your Board of Directors and Articles of Incorporation and Charter Application are ready, your funds will be 'blocked' from withdrawal and dedicated to the new BTUBANK you are forming. These are the basic steps to get started with BTUWorldBank and BTUBANK. Each step is presented in a simple, transparent, safe and in the long run, profitable and sustainable manner. There are no 'gimmicks' or 'high pressure' bank tactics here. No 'hidden fees', 'toxic assets', 'off balance sheet' entries or 'skyrocketing credit card interest rates'. At BTUWorldBank we believe in honest banking practices based on well-run, well-designed, honest renewable energy projects. If this is the kind of bank you've been looking for, welcome ... we're glad you came. This page is available online at http://btubank.com/cdrates.html