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Thread Statistics | Show CCP posts - 7 post(s) |
Danny Blitz
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Posted - 2010.08.08 19:43:00 -
[31]
Originally by: TheBankOfEve
Originally by: Breaker77
Originally by: TheBankOfEve All members of the bank are responsible people put in a position of trust within the government or companies.
The people running Enron were in a position of trust in a large company. Look how well that turned out.
Enron was run without any real auditing by any major branch of the federal government. EBANK suffered the same effect of being allowed to run without real audits preformed by anyone with knowledge of the banking or financial industry.
When any account change has been made by anyone allowed access to the bank it is automatically recorded and an email is sent to each members email account. Every action is public to every member of the board and because we all have a vested interest in the wellbeing of the bank we all keep a close eye on the movement of money.
As we grow we would also like to allow more people access to our logs and allow outside auditing as a further countermeasure. One thing disappointing here is that I'm seeing allot of critics and not a single post with suggestions on how we can improve The Bank of Eve.
We all know other banks have failed and I'd like to give props to EBANK for at least trying to save the bank. I think that should be considered more of a success than a loss because at least they're trying to redeem themselves.
We're committed to preventing another disaster like EBANK, and hopefully in time we'll have earned New Edens trust in our commitment to service. Tell us what you think we can do better and if you'd like to get involved with The Bank of Eve we'd love to see supporters and take advice.
The suggestion is that you provide us with any reason to actually trust you. One of the more curious bits is that none of these other members have come here to provide testimony, and, certainly, there doesn't appear to be any reason to believe that any of these accounts is more than a trial, or a trial with Steam time added.
(If the Steam time bit is what you've done here, I have to applaud you at organizing this scam quite well. If it's not, you really ought to start answering up questions and appealing to the critics - largely because you don't silence the critics by calling them critics.)
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Cista2
Hydra Investment Fund
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Posted - 2010.08.08 19:51:00 -
[32]
Sorry guys, I am not handing you my email adress. ----------------------- "Signatures" chatroom / Hydra Fund / LLSE Stock Market |
TheBankOfEve
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Posted - 2010.08.08 19:52:00 -
[33]
Originally by: Breaker77
Originally by: TheBankOfEve
I'll post a link to a picture of me in uniform
I have a full set of BDUs with my name patch and everything on them. I've never been in the military but maybe now I can just link a pic of it and guarantee 100% that I'm in the military.
Well your certainly not getting a copy of my Military ID for Comsec purposes. And I'm sure your uniform is lacking a function badge, operations badge and proper rank. And if they're BDU's then they wont even be authorized uniforms at the end of this year. Besides it's also illegal to actually put the U.S. AIR FORCE tape on the left breast pocket because thats impersonating a member of the US military. And I don't know anyone who keeps 5 pairs of tops and bottoms around just for fun WITH proper rank and insignia sewn on being that their near $100 a set after sewing rank on.
Give me a reasonable request for proof I'm Active Duty USAF and I'll provide it. But if you want pictures of my ID or something that can be used in an illegal manner to attempt access to US GOV property I won't provide it for COMSEC reasons.
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Ray McCormack
Nordar Innovations.
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Posted - 2010.08.08 19:54:00 -
[34]
I don't think anyone actually cares if you're a member of the military or not. I doubt anyone cares if you pack shelves at night in a supermarket or invest millions on the market during the day. Real life has no implications here.
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cosmoray
Bella Vista Holdings Corp
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Posted - 2010.08.08 19:55:00 -
[35]
Questions/comments:
1. The customers have to trust the people running it that they won't steal or lose their money
2. The customer have to have good access to their funds. Whatever issues there are with EBANK their website and customer transactions were very good.
3. The bank has to be profitable. What if in your scenario you make money from withdrawal fees and lots of people put funds in and don't remove it. You will be wiped out in a hurry.
4. Loans only work if you take 105%+ collateral to guarantee bank isn't scammed.
5. Why would someone come to your unknown bank for a loan when they can go to well known players for collateral backed loans that have a higher degree of trust than they do with you.
6. Why should players trust you being so new.
7. Do you know who your competitors for loans are? Do you know the rates they charge? Amount of collateral needed? Their cost of capital?
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RAW23
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Posted - 2010.08.08 19:57:00 -
[36]
Edited by: RAW23 on 08/08/2010 20:03:47
Originally by: TheBankOfEve
Originally by: RAW23
Originally by: TheBankOfEve military backgrounds
Can you offer anything that can actually be substantiated? Obviously, any scammer could say exactly the same things and as such, these claims do not carry any value.
When you say you are all heavily invested in the bank, can you tell us exactly how much (potential investors need to know this)?
I'll post a link to a picture of me in uniform and then you can look up the public ICCAN record for the .com owner of thebankofeve.com that way you can see that my nametape matches the public record of ownership for the site and see that I am military and that the picture actually matches the record.
And in terms of investment, I'm investing my credibility and ISK. My credibility is at stake because again, you can look up the ICCAN registry and see my full name and probably address. Everyone else has invested ISK upwards of 2 Billion total to cover loans and any losses on loans.
That would be an interesting way to back up your claims of a military background . A cynic might ask which way to the fancy dress shop but I'll wait for the photo first.
Seriously, though, don't do that. Especially if it would publicly reveal your address. That could have serious consequences in this day and age [whisper: there are people out there who don't like the US military much].
As to the 2 billion figure, that is a useful start for meaningful conversations. So:
1. What makes you think you would be able to handle tens, hundreds or even thousands of billions of isk effectively?
2. Would you be willing to have a third party audit done to back up your figures?
3. Iirc, on your website you are selling 4 billion isk in shares for 40% of the company. How did you reach your 10 billion isk valuation for the business (I stole that one from The Dragons Den )
edit - And as the others have said, the military background is not, in any case, particularly compelling (although it may appeal to some veterans but, I seem to recall, one of the reasons Lui Kai got trusted before he ran with a few bil was his being ex-military).
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Ji Sama
Caldari Tash-Murkon Prime Industries manufacturing disaster
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Posted - 2010.08.08 19:58:00 -
[37]
If you blot out the important parts on your ID, I do not remember exactly what the US ID looks like, but the one I have, have no really dangerous information on it besides my social security number!
You can mail that to me at ceo(dot)fnord(add)gmail(dot)com with a picture of yourself in uniform to match the picture on the ID, in the picture on the uniform, you would have to hold a paper in your hand, stating; TheBankOfEve!
Then I could confirm on these forums, your real life identity. However this say nothing of intend or ability!
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RaWBLooD
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Posted - 2010.08.08 19:59:00 -
[38]
I support this new bank.
*Disclamer miners-you can: switch, rob, wardec, nerf, scam them, buy below market, pirate them on their way to sell. mining < trading, ratting, manufacturing from market bought minerals,they still wont go away |
Breaker77
Gallente Reclamation Industries
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Posted - 2010.08.08 20:00:00 -
[39]
You are missing the main point.
It's impossible to establish trust without having a background in EVE. DBank, EBank, and all the others that have came and gone were ran by established members of the EVE community. They were not startups by 1 month old characters.
No one here cares about anything you do in real life. We only care about your EVE history!
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Ray McCormack
Nordar Innovations.
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Posted - 2010.08.08 20:05:00 -
[40]
Originally by: Breaker77 DBank, EBank, and all the others that have came and gone were ran by established members of the EVE community.
You're very much like Ricdic with such assertive 'factual' posts. Whilst EBANK was started by relatively well-knowns, DBANK was started by complete unknowns. And I have no idea what 'all the others' you refer to, but I'm assuming none of them were established community members.
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Estel Arador
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Posted - 2010.08.08 20:15:00 -
[41]
Originally by: TheBankOfEve Hexxx from EBANK himself has been consulted and is offering advice on how to run a bank in EVE.
What's his involvement exactly? What advice has he given? Have you ignored anything he said?
Free jumpclone service|1092 stations! |
TheBankOfEve
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Posted - 2010.08.08 20:23:00 -
[42]
Ji Sama; I work at a base that stores sensitive strategic weapons. Because of the nature of this base I cannot upload any photo not even a blurred out photo. I could care less about my social and date of birth being on it.
I will go as far as to show myself and Fritz his RL name i Fitzgerald in our uniforms and hold up the paper for you.
Breaker77; The USAF and FINANCE CAREER were only brought up to substantiate our combined skill at managing money and to hopefully establish some level of trust with our customers in that we are running this bank with integrity.
RAW23; To answer your first question, I have a background in finance. I handle transactions on a daily basis and assist personnel with financial questions and concerns, budgeting, investing in bonds etc. . .
And because I designed the current system based on one we use at work it's very efficient and easily managed.
For question number 2. YES! It's already been stated that as we grow we want to bring in outside auditors and also increase the size of our board as required. We're always going to be looking for more dedicated players interested in improving the service we offer.
Lastly the board decided before going public that 4 Billion would be the minimum amount of capitol we would need to be able to offer loans and back interest payments. We are also only selling 40% of the total stock to investors. This increases the value of the stock for those who do invest.
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Cista2
Hydra Investment Fund
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Posted - 2010.08.08 20:25:00 -
[43]
Please, enough with the military already. Only Curzon Dax would care.
----------------------- "Signatures" chatroom / Hydra Fund / LLSE Stock Market |
cosmoray
Bella Vista Holdings Corp
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Posted - 2010.08.08 20:27:00 -
[44]
Forget your RL stuff.
Anyone who invests will not care about photos or anything don't even post them.
If you like you can have a think about my comments and questsions above.
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RAW23
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Posted - 2010.08.08 20:28:00 -
[45]
Edited by: RAW23 on 08/08/2010 20:30:26 Putting scepticism aside for a moment, here are some (hopefully) useful suggestions:
1. Present a proper business plan. Regarding shares, you need to lay out some projected figures so that shareholders can get an idea of what roi they can expect on their investment.
2. Set a cap for total investments and deposits. No one sensible will be happy giving you money on the assumption that you could be taking an unlimited amount of investment without any track record.
3. Try to get someone with a track record involved. You don't, currently, have any ingame credibility to lose but you might be able to piggyback on someone who does if you can convince them that this is worthwhile.
4. 3 above may also help with questions of auditing and accountability. Internal audits and checks and balances are not going to mean much if they are conducted by people that potential investors have no reaon to trust.
Basically, build slowly. It is a BIG ask for people to give you money at deposit interest rates as low or lower than anything else available and with no security. You need to put in some time and effort convincing people that you can be trusted and the way to do this is to start small and then grow. |
Breaker77
Gallente Reclamation Industries
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Posted - 2010.08.08 20:28:00 -
[46]
Originally by: Ray McCormack
Originally by: Breaker77 DBank, EBank, and all the others that have came and gone were ran by established members of the EVE community.
You're very much like Ricdic with such assertive 'factual' posts. Whilst EBANK was started by relatively well-knowns, DBANK was started by complete unknowns. And I have no idea what 'all the others' you refer to, but I'm assuming none of them were established community members.
Fury bank, EIB (Which Ricdic was in before EBank), and well some people consider BMBE a semi-bank.
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Carl Stewart
Blueprints For You
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Posted - 2010.08.08 20:31:00 -
[47]
Originally by: TheBankOfEve ...
Give me a reasonable request for proof I'm Active Duty USAF and I'll provide it. But if you want pictures of my ID or something that can be used in an illegal manner to attempt access to US GOV property I won't provide it for COMSEC reasons.
Mr Bond, is that you? Researched Blueprints for you, Ammo, Fighters, Drones and Ships |
Ji Sama
Caldari Tash-Murkon Prime Industries manufacturing disaster
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Posted - 2010.08.08 20:37:00 -
[48]
You aren't thinking out of the box here, the pictures are important because they can confirm he is telling the truth. Now would the pictures tell us if he is a scammer? or incompetent? surely not! Does it make him trustworthy, no not at all. But as we say in Denmark; "Many small brooks make a strong river."
We can then focus on his credentials and business plan!
@TheBankOfEve Now I can only tell you what I know from my own experience in the army, and our ID's does not indicate where we are stationed at! It only reveals our name, rank, role, social security number, eye/hair colour, height and a picture. But I can understand that the US is a little more paranoid, even though we are in the coalition with you! However, instead of ID's just provide pictures of your dogtags then! I am sure they have no sensitive information on them! With the picture of you in uniform holding the paper where TheBankOfEve is written on!
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Brock Nelson
Caldari Flux Technologies Inc SRS.
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Posted - 2010.08.08 20:41:00 -
[49]
Requesting 20b loan plz
Store |
Ray McCormack
Nordar Innovations.
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Posted - 2010.08.08 20:42:00 -
[50]
Originally by: Breaker77 Fury bank, EIB (Which Ricdic was in before EBank), and well some people consider BMBE a semi-bank.
Cally was an unknown when he started EIB, only some very deep digging revealed his main and that was during the final stages of his demise.
In MD terms, so was Fury Banker.
TornSoul is the only exception there.
Read the first few threads surrounding any of those banks and you will gain a bit more insight into what you're talking about.
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Thoraemond
Minmatar Far Ranger
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Posted - 2010.08.08 21:00:00 -
[51]
Originally by: TheBankOfEve Thoraemond; I'm running out of allowable text in the forums, I'll actually update a page on the site that you can view and post it soon to answer your questions.
The information I asked about would be fine in this forum.
Originally by: TheBankOfEve One thing disappointing here is that I'm seeing allot of critics and not a single post with suggestions on how we can improve The Bank of Eve.
It will become possible, or at least much easier, for people to offer suggestions on how to improve the "bank" after you describe how it is currently set up. á á
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TheBankOfEve
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Posted - 2010.08.08 21:07:00 -
[52]
Originally by: Carl Stewart
Originally by: TheBankOfEve ...
Give me a reasonable request for proof I'm Active Duty USAF and I'll provide it. But if you want pictures of my ID or something that can be used in an illegal manner to attempt access to US GOV property I won't provide it for COMSEC reasons.
Mr Bond, is that you?
If I told you I'd have to kill you.
And as to the ID post. Our US Military CAC(Common Access Card) do not show our base of station. I can even tell you what base I'm stationed at on here. But because of the strategic nature of the base and the importance of the resources we guard here I can't post a picture of my CAC card because it could be duplicated or modified for any manner of use. And I'd show you a picture of my dog tags if I still had them. I don't know about Denmark but we don't have to wear or even keep our dog tags unless we deploy to a combat zone. If I deploy my logistics section will issue me a new set.
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Estel Arador
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Posted - 2010.08.08 21:13:00 -
[53]
My helpful bit of advice: less talk about military/rl, more about business/eve.
Free jumpclone service|1092 stations! |
Ji Sama
Caldari Tash-Murkon Prime Industries manufacturing disaster
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Posted - 2010.08.08 21:17:00 -
[54]
Edited by: Ji Sama on 08/08/2010 21:20:39
Every soldier in peace and wartime have their dog tags issued! It is part of our combat uniform, and not wearing it would be a violation of the uniform codex!
Now I cannot say what it is like in the states!
EDIT:
Originally by: Estel Arador My helpful bit of advice: less talk about military/rl, more about business/eve.
Join the chorus!
If you could just stfu, we could have had this done in no time! Instead you* have wasted more posts on saying this isn't important than we have discussing it!
*You as in the rest of you naysayers!
It is however obvious that he is dodging a fair amounts of questions! But letting him chatter reveals a lot about character, some of us work on that level, others work on pure fact or theory!
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Lucyna
Minmatar Interstellar Killer Bee Enterprises
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Posted - 2010.08.08 21:21:00 -
[55]
This just might make it onto the best of MD.
Also, I agree with Cista2, along with numerous other flaws that this plan has (most glaring is the lack of accountability) 3% interest on savings accounts cannot be funded by transaction fees... People simply won't take out their money more than once a month if they are going to get a charge. They'll just be inconvenienced to draw more money at once, which might make it hard to keep a more steady accounts payable (is this right??). The profit is going to have to come from issued debt, and 3% for savings is a lofty-but-hard to obtain goal.
GL.
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Phoebe Halliwel
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Posted - 2010.08.08 21:24:00 -
[56]
Edited by: Phoebe Halliwel on 08/08/2010 21:25:25 You spelt "amount" wrong on your website. Repeatedly.
Think you've approached this from the wrong angle, shiny website followed by intro to MD and discussion. Would have been wise to have introduced youself to MD (and done some detailed research) before launch to at least get your face known. You could also have tried running some offerings in MD to establish some credability.
The fact that you only have 10b between all the involved owners of the bank doesn't exactly inspire confidence in your ISK making abilities. Stating that you will rely on penalty fees for excess transactions is flaky at best, what's your back up plan? Put it this way, you would not be viable by MD standards for a 4b, uncollateralised/unaudited loan with such a weak business plan. Why should you be because you throw out a website and stick "bank" on the offering? If you'd done your research you'd know that label is more likely to put people off than anything else.
Fact is, after the Ebank/Dbank failures other well known/credible MDers with several hundred billion ISK to back them up, put together a proposal for a bank (ECR? I think). It hasn't launched as yet. There's significant issues about banking failure and the long term viabiity of banking in Eve, which you appear to be either ignorant of, or have decided to ignore.
You really need to stop banging on about your RL and answer the relevant questions, in particular address the points raised by cosmo. ed. or just resolve Ji's point and move on instead of arguing about it!
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Sytoru Hiroshyma
Planetary Plunderers Inc.
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Posted - 2010.08.08 21:25:00 -
[57]
Originally by: TheBankOfEve I could care less about
So close..... If you were what you professed to be you wouldn't have used that.
This is not a legitimate offering in any way shape or form. Great, you got the ISD interested and will, possibly, gain good coverage/investment from that. So far you have singularly failed in providing anything of any substance to reassure those with whom you seek a financial relationship. Your answers have been inept and evasive.
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TheBankOfEve
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Posted - 2010.08.08 21:30:00 -
[58]
Good advice. And about advice, I'm still taking all of it I can get. When I'm not at work and on a better internet connection I'll update the site with all that I said I would.
I've learned allot allot of what can be done to improve the site from the posts and my biggest understanding so far has been this;
Because of the history of scams and failures in Terms of Eve Banking the citizens of eve want a more transparent bank with more public information and free access to it. More details will be made public about how we operate so that both members and investors have a deeper understanding. We want everyone to know that they're hard earned ISK is secure and I also understand that it's going to take time to build our reputation.
I'm sure in time we'll be able to prove ourselves. If your really skeptical you could consider opening a savings account with a low deposit of 5-100K ISK just to try it out. We value all customers whether you deposit 100K ISK or Billions.
I encourage you all to try The Bank of Eve with a minimal deposit and if your completely dissatisfied just withdraw all of your ISK.
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Lucyna
Minmatar Interstellar Killer Bee Enterprises
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Posted - 2010.08.08 21:32:00 -
[59]
Edited by: Lucyna on 08/08/2010 21:32:14 ed double post again :(
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Phoebe Halliwel
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Posted - 2010.08.08 21:46:00 -
[60]
Originally by: TheBankOfEve
If your really skeptical you could consider opening a savings account with a low deposit of 5-100K ISK just to try it out. We value all customers whether you deposit 100K ISK or Billions.
I encourage you all to try The Bank of Eve with a minimal deposit and if your completely dissatisfied just withdraw all of your ISK.
Wrong approach.
Prove yourself then you'll get the ISK. Asking for small amounts is tantamount to begging. Whether you get 100m in small deposits or 4b, you'll come back to the forums and claim success for large numbers of accounts opened.
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