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EBANK BOND - 50B @ 7% Yield, 60 Day Maturity, Min 1 Bil, No Max

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Author	Thread Statistics \| Show CCP posts - 1 post(s)
GeraldRatner	Posted - 2008.02.13 04:13:00 - [1] There doesnt seem to be the usual rush to throw money at this. Is Ebank having a 'Ratner' moment?
GeraldRatner	Posted - 2008.02.13 04:16:00 - [2] Originally by: Kwint Sommer Edited by: Kwint Sommer on 13/02/2008 01:40:12 Originally by: B00YAH ebank starting 2 smell like a scam there asking 4 2 much isk in a very short space of time TBH You're an idiot. Why are you an idiot? Because several of the individuals running Ebank could each sell out 100B bonds and have between them easily 500B so why the ** would they ruin their reputations over this small amount? The answer is, they wouldn't and anyone that thinks they would is an idiot. There collective reputations are worth easily 10x this amount and even if they were scammers they aren't stupid enough to waste it on this trifling amount or even the sum-total of funds in Ebank, not that they have access to all of them as a significant portion is on loan, hence the issuance of this bond. If the people running Ebank were to run off with all the money presently available in it, it would be one of, if not the worst scams on an ISK/hour basis. BTW, at least have the balls to troll with your main Ufl. I really wish they would run of with all the money just to prove what an illtempered illmannered overbearing **** you are
GeraldRatner	Posted - 2008.02.13 05:05:00 - [3] Originally by: Amarr Citizen 155 Let's keep things on-topic and stop with the trolling and name calling. Invest or get out. If you don't like the offering, move along. Ricdics recent behaviour and how it has impacted on ebanks operations and reputation is entirely on topic.
GeraldRatner	Posted - 2008.02.13 05:54:00 - [4] Originally by: Hexxx Originally by: GeraldRatner Originally by: Amarr Citizen 155 Let's keep things on-topic and stop with the trolling and name calling. Invest or get out. If you don't like the offering, move along. Ricdics recent behaviour and how it has impacted on ebanks operations and reputation is entirely on topic. There are other threads focusing on this, if you feel it's that important and isn't being addressed elsewhere, feel free to start your own. This thread is for the sale and discussion of this paticular Bond. This is what you said in your op :- "1) Liquidity concerns. We recently experienced a "run on the bank" scenario which ended with us seeing a total of 8 billion isk in withdraws within a single day. Normally this is how much we handle in a week. As a result, we have shifted to a more conservative percent of funds held in cash. To date; we have always met a withdraw request within 24 hours...the goal is to keep it that way. This does however limit our ability to provide loans as we end up with less cash set aside for that. 2) Recent stagnation in fund growth through deposits. This is partially linked to #1." Basically what you are saying is that Ricdics recent behaviour has caused a run on your bank and a reduction in your deposits. You are also saying that this has caused liquidity ratios to be adversely affected and that this bond is being issued to address those issues. Anybody thinking of investing in this bond should be FULLY aware of ALL the issues surrounding it.
GeraldRatner	Posted - 2008.02.13 06:14:00 - [5] Originally by: Amarr Citizen 155 Edited by: Amarr Citizen 155 on 13/02/2008 06:05:01 Originally by: GeraldRatner This is what you said in your op :- "1) Liquidity concerns. We recently experienced a "run on the bank" scenario which ended with us seeing a total of 8 billion isk in withdraws within a single day. Normally this is how much we handle in a week. As a result, we have shifted to a more conservative percent of funds held in cash. To date; we have always met a withdraw request within 24 hours...the goal is to keep it that way. This does however limit our ability to provide loans as we end up with less cash set aside for that. 2) Recent stagnation in fund growth through deposits. This is partially linked to #1." Basically what you are saying is that Ricdics recent behaviour has caused a run on your bank and a reduction in your deposits. You are also saying that this has caused liquidity ratios to be adversely affected and that this bond is being issued to address those issues. Anybody thinking of investing in this bond should be FULLY aware of ALL the issues surrounding it. Anybody thinking of investing in this bond ALREADY KNOWS the situations that have happened recently and knows both sides of the issues not just the one side that you and others like you want to keep referencing.. Stop trolling and post with your main. Someone please clean up this thread and get rid of the trolls. Invest or gtfo. I suggest YOU stop trolling MY posts. Anybody NEW to this forum wouldnt know anything about the issues surrounding this bond. This is your attitude towards investors :- "Invest or gtfo" I think many will take note of that and do exactly that i.e. gtfo
GeraldRatner	Posted - 2008.02.13 06:24:00 - [6] Edited by: GeraldRatner on 13/02/2008 06:25:31 Originally by: Hexxx Originally by: GeraldRatner This is what you said in your op :- "1) Liquidity concerns. We recently experienced a "run on the bank" scenario which ended with us seeing a total of 8 billion isk in withdraws within a single day. Normally this is how much we handle in a week. As a result, we have shifted to a more conservative percent of funds held in cash. To date; we have always met a withdraw request within 24 hours...the goal is to keep it that way. This does however limit our ability to provide loans as we end up with less cash set aside for that. 2) Recent stagnation in fund growth through deposits. This is partially linked to #1." Basically what you are saying is that Ricdics recent behaviour has caused a run on your bank and a reduction in your deposits. You are also saying that this has caused liquidity ratios to be adversely affected and that this bond is being issued to address those issues. Anybody thinking of investing in this bond should be FULLY aware of ALL the issues surrounding it. Yes, that's what I said. I addressed the reasons why we're issueing a Bond and you copied them (excellent work by the way) in your most recent reply. Is there some kind of additional point you're making here? You said you had a run on the bank What you DIDNT say is WHY you had a run on the bank The assumption that it wasnt necessary to mention why you had a run on the bank was because everybody already knew is a little disingenuous to say the least Listen Hexxx. Ricdic screwed up and as a consequence you are having to ask for 50billion off of joe public. The idea that you can quietly push this through without any in depth discussion of how all this came about is just dumb. And incidentally the next time the forum goes on an unmerciless feeding frenzy of ripping somebody to pieces you might advise your directors to stay out of it.
GeraldRatner	Posted - 2008.02.13 06:34:00 - [7] Originally by: Amarr Citizen 155 Edited by: Amarr Citizen 155 on 13/02/2008 06:21:46 Originally by: GeraldRatner I suggest YOU stop trolling MY posts. Anybody NEW to this forum wouldnt know anything about the issues surrounding this bond. This is your attitude towards investors :- "Invest or gtfo" I think many will take note of that and do exactly that i.e. gtfo Honestly, the minimum limit on this investment is going to keep the "new" players you are talking about from investing. Also, if they are new to these forums and don't take a few minutes to do research and atleast ready page 1 threads then I'm not really that concerned about them. I am not trolling your posts, you are trolling this thread. As Hexxx has stated already, if you don't want to invest he isn't forcing you to. And no, that is my attitude towards you, invest or gtfo because you make no valid points, you won't post with your main, and you are simply a troll. I'm going to bed so please feel free to not post a stupid response to me as I won't be awake to read it. Disclaimer: I am in no way, shape, or form affiliated with Ebank and I have never worked for and probably will never work for them. My opinions are MY opinions. I didnt say new players I said new to this forum Not that such a minor detail would worry you
GeraldRatner	Posted - 2008.02.13 06:45:00 - [8] Originally by: Shar Tegral Originally by: GeraldRatner Not that such a minor detail would worry you Is your purpose to question Ebank's bond or just to get into forum fights with anyone that may post in this thread? I mean, Hexxx and other members of Ebank might feel free to discuss Ebank affairs with a concerned investor or 3rd party watchdog but to have to answer for non-Ebank statements... ... ??? I mean, Ebank is good but isn't that stretching Ebank's responsibility a tad too far? I would suggest that if you are trying to keep the uninformed public informed about what you say is going on at Ebank (which no one else says is going on at Ebank btw) that you stick with arguing with Ebank responses. Anything else is just... trolling. I think ive clearly made my point here so i think Gerald along with his decanters can now be subjected to biomass reprocessing
GeraldRatner	Posted - 2008.02.13 07:07:00 - [9] Originally by: Shar Tegral Originally by: GeraldRatner I think ive clearly made my point here so i think Gerald along with his decanters can now be subjected to biomass reprocessing And that, everyone, sums up the value of everything he had to say. Disposable drama at the drop of the trial account activation. But, we shall miss you dear departed Gerald. Alas we knew you not very well but we do know your kind. You shall never be far from us even though your biomass may rot in some vat somewhere. In spirit and in main, your cowardly soul shall always be near to us ever waiting for the chance to re-emerge. We look forward to that next meeting, anon, so that we may point and laugh at your churlish tail stuck between your legs, instead of your manhood, as proof that an alt is only as brave as his main is not. And that ends my shakespearian moment of the day. Next? Well it seems that while the biomass reprocessing is going on you can still squeak out a few last words so here goes Shar you are one of the few people in here whose integrity I respect. Theres a big difference between honesty and integrity and there are a lot of people in here who need to learn that. But having said that your idea that alts opinions are worthless is a bit dumb. think about it
GeraldRatner	Posted - 2008.02.13 07:53:00 - [10] Edited by: GeraldRatner on 13/02/2008 07:54:53 Originally by: Shadarle I'll say it too then, Alts opinions are worthless. They mean less than the opinion of a known scammer. Basically the opinion of an alt is worth less then the time it takes to read the post from that alt. If you have anything worth saying you should have the guts to say it with your main. If I wasn't still planning my own IPO I would make an offer to loan E-Bank a larger amount of money for a higher rate to see if they'd accept. Perhaps some others here should try it if they have 10-20+ billion laying around. An idea, view or opinion stands or falls on its own merits. The truth is alts irritate this forum because it cant indulge in its collective frenzied attacks on them. This alt could care less what this forum thinks.
GeraldRatner	Posted - 2008.02.13 08:13:00 - [11] Edited by: GeraldRatner on 13/02/2008 08:13:35 Originally by: Hexxx Originally by: GeraldRatner An idea, view or opinion stands or falls on its own merits. The truth is alts irritate this forum because it cant indulge in its collective frenzied attacks on them. This alt could care less what this forum thinks. Unless the idea is essentially a series of "Straw Man" arguements or baseless speculation that smacks of sensationalism. You're sore about getting criticized previously; we get it. You took a few lumps and now you've got a chip on your shoulder. This really isn't of any significance or importance....you, the individual, have very little impact on a 3.2 trillion market. None of us do. I havent been criticised by this forum and i dont have a chip on my shoulder. You shouldn't make baseless assumptions. Just as you say alts views are worthless so are yours and many others. Next time you direct anything in my direction please engage your brain before opening your mouth But just to help you I WILL tell you what all this is about. Ricdic owes Kyrial Tidolfas a public and unreserved apology. No more and no less. Writing it all off as a 'drama bomb' is almost worse than the original appalling and shameful behaviour. In fact a lot of you owe Kyrial an apology. Read the 2nd or 3rd post of his original ipo where La Vista calls him a scammer. Again a totally baseless and valueless opinion based on nothing more apparently than La Vista being a pretty dumb person. This isn't going to go away however much you and CCP try and sweep it under the carpet until Kyrial gets his apology. Incidentally Im not kyrial and I dont even know the guy. Never met him either in or out of the game
GeraldRatner	Posted - 2008.02.13 09:04:00 - [12] Ok lets get back on topic. This thread is about a bond offering from Ebank which is led by Ricdic I think the character of the banks leader is relevant to the decision making process people will have to go through in deciding whether to subscribe to this bond. This is particularly so for people new to this forum who may not be up to speed on this forums previous going ons(aside to Amarr Citizen 155 please note the distinction between new player and player new to forum) So lets discuss Ricdics character. He decided to blacken the name of one of his own account holders by revealing that said account holder was in default of a loan He forebore to mention a couple of things about this attempted character assassination 1/ The Loan was for an amount of 1 isk 2/ The Loanee didn't know about the loan since Ebank hadn't followed it's own advertised course of action in respect of this loan What is most astounding is that in support of the general merciless ripping apart of Kyrial several people SUPPORTED Ricdics decision to make this so called loan default public. This appalling behaviour is entirely relevant to this thread since Ricdic feels there is no need for an apology to Kyrial These posts are just to let potential investors know a little about the character of the person they are investing in.
GeraldRatner	Posted - 2008.02.13 09:18:00 - [13] Originally by: EBANK Ricdic Originally by: GeraldRatner Incidentally Im not kyrial and I dont even know the guy. Never met him either in or out of the game You were a Kyrial alt the first post you made. It's not half obvious... If you are unable to distinguish my style of writing from Kyrials(incidentally it will be patently obvious to the more intelligent of you who I am)its not surprising you were taken in by Riethe
GeraldRatner	Posted - 2008.02.13 09:30:00 - [14] Originally by: EBANK Ricdic Originally by: GeraldRatner This appalling behaviour is entirely relevant to this thread since Ricdic feels there is no need for an apology to Kyrial Actually Kyrial I apologised a few times in your thread. Here are some quotese from that thread :- -------------------------------------------------------------------------------- "A loan is a loan. I won't apologise over it. A default is still a default regardless of amount. And EBANK have taken on the name and shame position with talks of a public blacklisting page. Sorry Ray we don't hide our defaultor's names under the carpet. Maybe it was a little harsh but it was still a loan requested, actioned, funds transferred, and money owing to EBANK. Or, should we just look the other way if the amount isn't considered large? What amount 'is' considered large?" "Now I am quite sure I have evemailed Kyrial about this loan (overdue on repayments) about 1.5 weeks ago but not 100% certain. If I didn't do this I apologise for that. The rest still stands though. Both I and LaVista made perfectly accurate and correct statements and nothing more." A quote here from MrHorizontal(Ebank director) :- "I don't see any reason to apologise for anything, and I fully agree with Ricdic. EBANK only disclosed that the borrower was at risk of defaulting and thus protected it's own interests in light of the circumstance that the borrower is asking for public funds. If you put yourself out for public scrutiny, you better be damned sure your back yard is clean. In this case, he had a loan that hadn't been serviced. This loan has to this point not been serviced, so Kyrial is still in default." I can go on if you wish me to, or maybe you would like to open a new thread, and publicly and unreservedly apologise to Kyrial and then I can just melt away

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