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Unipay2U
The Image and Prospects of MLM business in Bangladesh

UniPay2U is where gold investors come to buy gold for storage in a

professional bullion vault. Unipay2u have Office in 7 Countries in
Malaysia, India, Philippines, Bangladesh, UAE, Thailand, and China.
Unipay2U offers the facts just as one need them, plus up-to-date
information about our oldest and most-treasured element - GOLD.
Whether someone is involved in Gold as a buyer, seller, trader, investor,
jeweler, dealer, or just curious about this most universal of metals,
UniPay2U has something for them. Over 50% of the global trade is made
up of goods & services that are transacted via offshore financial centers.
Offshore companies and/or trusts provide one with enormous tax savings
and asset protection in a legal manner if setup correctly. They can also
afford the ultimate beneficiary owner a certain degree of anonymity.

AIUB
11/1/2010
The business is done under the name of Unipay2U International. It has offices at: Philippines, India, Bangladesh (to be opened),
UAE, and Thailand. Unipay2U is where Gold Investors come to buy gold for storage in a professional bullion vault. The process
is secure yet straightforward and prices are competitive. All Unipay2U users own guaranteed professional grade gold bullion in
standard gold bar form .It is stored Via Mat in a professionally recognized bullion storage facility in Switzerland, UK or USA.
Users are able to buy or sell directly with other Unipay2u users, via Unipay2U’s order board. The gold does not move, only the
ownership changes. Anyone can participate. Private individuals can use the service to buy, own, store and later sell professional
grade bullion all at competitive prices usually available only in the professional bullion markets. Gold is kept in Zurich, London
or New York in specialized bullion market approved vaults operated by Via Mat. Via Mat International is specialized in the
International valuables logistics business & offers a wide range of valuable services like: Global air, road & sea transportation of
precious metal & currency notes, Warehousing of valuables, weighing of gold & silver bars etc. They are members of London
Bullion Market Association & are accredited service provider to weigh gold & silver bars, British Security Industry Association
member & ISO certified. You pay low charges including insurance and you do not pay extra for fabrication & delivery. You own
your gold outright. Your gold is not held as a liability in a gold account and there is no intermediating trust. The gold you buy is
your personal tangible property, stored economically in one of the safest places on the earth. You set up the whole arrangement in
an hour or two, without any of the time consuming procedures and hidden costs you may have experienced in trying to acquire
gold. The gold you buy on UniPay2U is of permanently guaranteed quality because it has always stayed within the recognized
storage facilities of the bullion market .It was originally assayed at a recognized bullion market gold refiner and at the established
standard of purity for bullion (>99.5%). It was acquired from and delivered by formally recognized bullion market participants,
and it stays in a formally recognized bullion vault. Because of strict adherence to market procedures for handling bullion the bars
retain their status as 'Good Delivery'. Because of strict adherence to market procedures for handling bullion the bars retain their
status as 'Good Delivery'. So although owned by private customers UniPay2U bars retain their full resale value, and this simple
solution eliminates one of the significant costs of private gold ownership. UniPay2U operates a multi-currency system. You can
simultaneously maintain balances in US Dollars, Euros and Pounds Sterling, and you can seek opportunities to trade gold using
whichever currency is most advantageous to you at the time.The most common spot market delivery unit of gold bullion is at 400
troy ounces inconveniently large. At a $600 per ounce price one unit costs $240,000. Smaller delivery units cost a fabrication
premium and further reduce resale value. Minimum costs on gold shipments make them uneconomic below about $500,000.
Privately held gold is substantially more expensive to insure than vault held gold. There is risk involved when you make
purchases in all investment programs. However, there are a few simple ways that can help you to reduce the risk of losing more
than you can afford. Align your purchases with your financial goals; in other words, keep the money you need for the short-term
out of more aggressive programs. Open a Unipay2U Trading Account (USD 50, USD 90, USD 200, USD 400) .Determine the
amount of Gold you wish to purchase from 10 gm. to 600 gm depending upon the type of your Trading Account.

Recently a popular Bangladesh Newspaper The Daily Star Publish under the heading “BB freezes account of 'gold trading
company” that The central bank yesterday suspended for one month a bank account of Unipay2u Bangladesh, a 'gold trading
company' that promises high returns on investment. Bangladesh Bank (BB) did not clearly mention any charge against the
company but only said the suspension order came after three banks found suspicious transactions into the account. BB said it had
taken the move under the anti-money laundering law. An investor can open a trading account with Unipay2u Bangladesh to hold
gold as investment that pays off high rebate on a monthly basis, the company says. The central bank froze four other related
accounts: one operated by Unipay2u (International) and three operated by individuals. The central bank asked all banks and other
financial institutions to turn in details of transactions into these accounts in seven days. The official said Unipay2u Bangladesh
promises high returns to individuals on investment in gold. But the company -- instead of giving gold to investors -- gives
certificates with a promise of returns after a certain period, the official added. The company is raising money from people in
Dhaka, Chittagong and Mymensingh. From primary investigation it was found that these accounts have deposits of about Tk 30
crore. The City Bank Ltd Managing Director and NCC Bank Managing Director had sent reports to the central bank, suspecting
unusual transaction into these accounts. Bank officials said people from parts of the country have transferred money into these
accounts for the last one month. The website of the company says it was incorporated as 'Unipay2u Bangladesh Ltd' on October
11, 2009.A Facebook account of Unipay2u Bangladesh says it offers rebate as high as 150 percent on investment in gold for six
months. Officials of Unipay2u Bangladesh said the company offers trade in gold through its Malaysia-based parent company
Best Genius Sdn. Bhd that provides "trust, corporate and financial services".“Unipay2u plan is 100 percent backed at all times by
gold in allocated storage,” the company says in a Facebook posting. Md Muntasir Hussain, managing director of Unipay2u
Bangladesh, said: “We are not involved in any money laundering activity.”“I am confident Bangladesh Bank will withdraw
restrictions on transactions after its investigation." But whatever the situation as a result of this many people lost their trust on
Unipay2U. Unipay2U failed to make transparence and effective communication between them and people of Bangladesh.
Unipay2u does not look like an MLM system. Rather it appears to be a pyramid scheme, where the oldest investors are paid back
with the money collected from current investors. The high returns promised are simply not reasonable or sustainable. Bernie
Madoff affair in the US operated on the very same principles. The returns are promised from a purported investment in gold.
Even if that is true, we believe gold is in a bubble and the gold price will fall as soon as the world economic conditions improve.
Also note that for the first 6 months your investment will NOT be invested in gold (and in fact they may never be), but you
simply earn interest of 2.5% on it, because the company needs the money to pay off the old investors. And this company is less
than 2 years old. You are better off keeping your money under your mattress. At least that way you still have it to spend.