Hong Kong shoddy dangerous UBS sign.


Zurich  impressive sturdy UBS sign.


UBS Group AG is a Swiss holding company that should be only known by it’s three lettered  financial symbol UBS.   UBS cannot legally be known by the words Union Bank of Switzerland, although it is occasionally  misrepresented as such.   New York Times reports: “UBS “is an amalgam of the former Union Bank of Switzerland; the Swiss Bank Corporation, (itself a combination of the Swiss bank and investment bank Warburg Dillon Read); the American investment bank PaineWebber; and a large team from the former Donaldson, Lufkin & Jenrette, all acquired since 1998. Critics as well as some members of the bank’s current management say the firm never merged these disparate assets into one consistent culture, and that the headlong pursuit of growth at any cost trumped ethical and legal behavior, especially in the investment bank. (UBS didn’t respond to requests for comment.)” Intro 1  As we will see herein, this UBS dubious  business model has been  successfully implemented throughout the World by UBS.

UBS provides a range of financial services, including advisory services, underwriting, financing, market-making, asset management and brokerage on a global level as well as retail banking in Switzerland.  UBS AG  also  solely owns USA Federally unregulated  Utah Industrial Bank  cartel member, UBS Bank USA. UBS Zurich headquarters has five business divisions: Wealth Management, Personal & Corporate Banking, Asset Management Investment Bank and Wealth Management Americas. Wealth Management Americas Chairman is presently Robert J McCann.  CNBC, while scrutinizing  the UBS Puerto Rico elderly UBS bond fund swindles,  reported: “Throughout 2012, discussions over some of the [UBS Puerto Rican] funds’ more troubling features rose all the way to top executives at UBS Americas … Robert McCann, the CEO of UBS Americas … was not only fully aware of the issue but knew the consequences if the firm [UBS] didn’t dial back leverage. … Moody’s Investors Service cut the rating of the island’s [Puerto Rican] bonds to just above junk status … One email showed that the results of a stress analysis on how the downgrade would impact the firm’s [UBS] balance sheet were delivered directly to McCann.” Intro 2  Presently, UBS has markedly insinuated it’s South Florida offices into elderly enclaves.  UBS has also enlarged it’s collection of   dubious collaborators in preparation  for another elderly encroachment  using it’s alleged mantra of solicit, recruit, isolate, control, dupe and loot.

A deceased Swiss reliable political source once vouched that both United States and Israeli intelligence were exclusively privy to UBS et al Swiss World secret client accounts, dormant or otherwise.  We commend the two nations for this restricted Swiss intelligence vital interest capability of “following the money”. Conversely, national security of other nation states has been compromised by this policy, however slight.    Furthermore, the same Swiss political source said  UBS not only misleadingly calls itself by Union Bank of Switzerland but also says it is allegedly the largest wealth management in the World.  In fact, UBS has a massive amount of opaque dormant accounts that  are allegedly occasionally pilfered when needed.  UBS officials are known to  unilaterally take from active elderly UBS Client accounts, as we herein document.   This capability can be seen in the UBS  AG Group Executive Board bluster, excessive bonuses  and willingness to expend inordinate  amounts of this ill-gotten cash on sophisticated forms of bribery, especially when targeting pliable USA Presidents.

UBS paymaster Chairman Robert McCann amongst happy USA Presidential recipients.



UBS AG (Switzerland) is currently  attempting  to charge fees by unilaterally shifting less  dormant accounts around.  Aware known owners  of these dormant accounts are adamant that their UBS AG entrusted accounts not be tampered with else unwanted exposure to taxable countries of origin  may occur.  UBS also continues to initiate  well worn  Swiss procedural impediments against  many  profiled vulnerable families of deceased UBS Clients from ever receiving their active or dormant account inheritances.  The  herein will  divulge corroborating documentation and reliable sources beyond any reasonable doubt substantiate the above statements.

UBS has been  successfully overtly  allowed to meddle with USA  internal affairs or vital  interests  to the benefit of UBS during the Clinton/Bush II/Obama Presidencies.  Recently, UBS has actively collaborated in the known  attempts to destabilize President Donald Trump and his Administration. The Clinton/Bush II/Obama USA Presidential cycles have given us access to alarming voluminous corroborating documentation,   substantiated by reliable sources and past UBS  revelations.  President Trump’s team continues  to “drain the swamp” of Obama disruptive holdovers who, among other things,  facilitated the now apparent Obama/UBS deferred payment schemes.  One may ask how Washington had become an internationally acknowledged swamp  kleptocracy  in such a short interval  of time to warrant a Donald Trump  popularity!  Clinton/Bush II/Obama/UBS  overt corruption will partly explain the rise of a Donald Trump  as a person  said to be willing to sacrifice his entire fortune for the love of his Country.  Trump has acted without fear of  threatened reprisals from  detractors.   At this juncture, one must  go back to the USA Founding Fathers to see this altruistic behavior at the USA pinnacle.   If  Trump had lost the USA Presidential election it is highly likely his entire estate would have come under attack by his powerful Washington  kleptocratic critics.  USA Presidents Clinton/Bush II /Obama repugnant behavior over the past few decades is the prime reason Donald Trump was willing to sacrifice his fortune  to “drain the swamp”.  Trump has been a high profile individual hardened  by controversy most of his life.  USA citizens realize President Trump is no saint and has  an overt persona that is prone to varying degrees of verbal gaffes, like many Washington officeholders.   A substantial number of USA citizenry  believe in Trump, voted for Trump and have high  expectations  from  President Trump political appointees.   Continuing to oppose President Trump is the Clinton/Bush II/Obama imbedded bureaucratic holdovers assisted by the alleged “deep state”.  This   entrenched  bureaucracy is said to be bent on damaging the Trump  agenda through subversions,  such as  undermining his family hospitality business.  UBS has been the foremost President Trump antagonist by  providing forms of cash, continuing offshore accounts and  other benefits to his detractors, for something.  Among other things but not necessarily all, UBS is  currently developing schemes to entrap the Trump family and it’s real estate interests into complicated loans.

In a closed letter to UBS and his other collaborators George Soros said: “Even the US, the world’s leading democracy, elected a con artist and would-be dictator as its president.  Although Trump has toned down his rhetoric since he was elected, he has changed neither his behavior nor his advisers. His cabinet comprises incompetent extremists and retired generals.”

There should  be no excuse  for  President Trump’s Department of Justice not to immediately start  investigating UBS continuing USA Client victim swindles,  especially after the  complicit  UBS Chairman Robert J McCann recent direct involvement  in UBS Puerto Rico Client victim swindles.   UBS and their  collaborators are continuing their questionable schemes unabated, much to  the detriment of USA known national interests.  Oh yes, we include the UBS  pattern of  similar schemes in many other country documented exposures that should assist foreign regulators in potential UBS prosecutions.

Although President Trump has been advised to curtail using the effective catchy “drain the swamp” phrase, it should be still  implemented against Clinton/Bush II/Obama facilitators like the UBS Washington collaborators.  UBS has been by far the most egregiously  known violator.  In one instance, Bill Clinton was given more than $1,000,000 to meet secretly in New York with UBS Chairman  Robert J McCann.  These covert act examples can only be to the detriment of USA citizenry and competing domestic banks. We will see a youthful Obama introduced to UBS Chairman Robert Wolf at a small private gathering in George Soros’s New York apartment. We see  prior UBS Chairman Wolf now  overtly acting as an alleged Obama bagman under the guise of Wolf’s  college football shirt numbered company “32 Advisors”.  One could say a Wolf in bagman’s clothing!  The long standing  relationship between George Soros and UBS  has been  a little known symbiosis.

British Cabinet Minister Vince Cable said: “sunny places for shady people, tax havens are much maligned. It’s thought the total sum hidden away in low-tax, low-regulation jurisdictions around the world could be $21tn [trillion] (£13.5tn) – as much as the total annual economic output of the United States and Japan combined.”   We are initially focusing upon UBS within the USA because:

Firstly, UBS AG (Switzerland) questionably sucks  39 per cent of it’s World revenue from the USA.  A considerable amount of  this revenue is from USA  elderly client victims.

Secondly, UBS irregularities have been so deviously blatant and pervasive that voluminous amounts of corroborating documentation are available.

Thirdly, USA politicians are more inclined to tell of violations of law committed by  their opponents during USA election cycles.  The extreme combativeness during  recent USA Presidential elections has allowed transparency  to otherwise opaque UBS “misstep” criminal connivances. The  UBS/Clinton Family  continuing collaboration scandal was finally made transparent  after the 2017 Trump inauguration.

Fourthly,  we see UBS successfully target, solicit, recruit, isolate, control, dupe and loot USA elderly victims during Clinton/Bush II/Obama regimes.  This  has caused UBS victims  and/or their family inheritors untold trauma, leading to near destitution. This has been  successfully implemented by UBS and their collaborators while Clinton/Bush II/Obama political appointee facilitators  are on record saying they will take no action against UBS known perpetrators.

Fifthly, UBS Bank USA was specifically created in 2000  by sole owner  UBS AG of Zurich, Switzerland  to become a member of the controversial USA Federally unregulated Utah Industrial Bank cartel, following Lehman Brothers example.   Let us not forget UBS Chairman Robert McCann and prior Lehman Chairman Richard Fuld are members of a within mentioned vested  long standing secret Wall Street Club.  We now  recently see Chase and Goldman Sachs have joined UBS as members of the Federally unregulated Utah  bank cartel, for a reason.  Perhaps the 2008 World financial crash blueprint is being scrutinized  for a 2018> return!

Sixthly, from it’s 2000 outset, Federally unregulated Utah UBS Bank USA is documented  as  illegally doing business out of UBS Wealth Management Americas UBS Financial Services offices throughout the USA.   UBS is  on record  erroneously  saying UBS Bank USA  has been both USA Federally regulated and USA state licensed since 2000.  It has been neither.   2009 Utah Salt Lake Tribune said:  “Obama is calling for the elimination of industrial bank charters and wants them all shut down within five years.” intro 3 The five years lapsed in 2014 without Obama taking any action.   A retired Obama is presently accepting  deferred payments from UBS  for having  taken no action on this and other documented UBS criminal perpetrations, especially  against USA elderly UBS client victims.  Obama USA Presidential predecessors Clinton/Bush II did the same.   We have documented  similar UBS criminal incidents throughout World.  Presidents Clinton/Bush II/Obama regimes still will not divulge the extent  to which  USA Federally unregulated Utah Industrial Bank cartel  members UBS AG and Lehmans were partly responsible for  initiating the World 2008 banking crash.  Just before the 2008 crash UBS knowingly sold Lehmans secretly downgraded/worthless  stock  to unsuspecting UBS Client victims.  President Obama’s office  then further supplemented UBS  with a USA$ billions bailout.   Under Obama,  UBS has successfully used a similar documented scheme targeting  unsuspecting UBS Puerto Rican elderly Clients with secretly inflated  bonds   UBS is directly responsible for looting almost the entire UBS elderly Client investment class of Puerto Rico (see issue 5, VE4-1>).

Is it any wonder USA middle class citizens were demoralized under Clinton/Bush II/Obama Presidencies.  Is it any wonder UBS headquarters of  Zurich is the richest city in the World.  Various World  leaders are on record with there displeasure of recent USA Presidential deferred payments, backsheesh, bribes, gifts, fees, ad nausea.  In essence, why are  USA leaders   like Mubarak of Egypt,  Lula of Brazil and  so many other World leaders  who have committed far less crimes than Clintons/Bush II/Obama prosecuted with prison time?  Is it any wonder why we personally have cost effective consultations with so many sophisticated World readership.  After our certain divulgences the astute newly appointed officers of the  largest UBS shareholder (Singapore GIC Sovereign Wealth Fund)  recently  sold almost 1/2  of it’s UBS shares, for a reason.  Sunshine is the best disinfectant.


President George Bush I with good friend, confidant and family patron Saudi Arabian Ambassador Prince Bandar bin Sultan


“If the reputation builds that the Saudis take care of their friends when they leave office, you’d be surprised how much better friends you have who are just coming into office.” — Saudi Prince Bandar bin Sultan   was   Ambassador to USA from 1983 – 2006, the longest  tenure for an Ambassador in Washington.  Bandar’s above manifesto has been the cornerstone of the Washington swamp. ________________________________________

UBS  Bank Americas Chairman McCann

UBS Swiss Chief Ermotti

UBS deferred payment paymasters  for  succored  USA Presidents.


Are USA prior Presidents enticing  President Trump to join them in sharing the UBS deferred payments scheme continuation because  there is safety in prolonging Presidential numbers?

A leery President Trump

In actuality, Obama/Bush II/Clinton are afraid President Trump will expose their unified acceptance of  UBS deferred payments in exchange  for  allowing UBS to swindle their USA  elderly clients.



Among other USA Federal and State  “questionable actions” but not necessarily all,  UBS senior  officers are responsible  for the  following alleged recently  attested USA “missteps”:

UBS Chairman Raoul Weil escaped from USA Federal Justice and became a UBS criminal fugitive sheltered in Switzerland.

UBS General Counsel David Aufhauser’s office  in 2008 allegedly  had the  Laurel, New Jersey UBS Mortgage Office shred or otherwise destroy  UBS Client Federally secured mortgage documents.  This is similar to UBS earlier criminally burning  Swiss Government secured Holocaust documents.

UBS General Counsel Aufhauser’s office  initiated  documented illegal unilateral UBS Client asset shifting and  offshore  account wire transfers  without mandatory USA Federal and UBS Client knowledge or consent.

UBS General Council David Aufhauser was finally lightly criminally admonished by  Obama’s office for committing insider trading.   Aufhauser was  privately traveling on an interstate railroad from Washington to New York at the instant of the known crimes.

UBS Chairman Robert Wolf is allegedly  now Obama lobbyist/bagman.

USA Senator Chairman Phil Gramm of USA Senate Finance Committee  initiated the  repeal Sarbanes-Oxley Act.   Among others, this Gramm  move was instrumental in allegedly  initiating  the 2008 World financial crash.  Phil  then used the Washington revolving door  to quickly abandon his USA Federal Senate duties to  become UBS  vice-Chairman Phil Gramm, for something.

UBS AG (Switzerland) became a member of  the  USA Federally unregulated Utah Industrial Bank cartel.  Cartels are illegal in the USA. This was achieved with the assistance of Clinton/Bush II Washington collaborators.  UBS AG  thus solely owns a USA Federally unregulated Utah Industrial Bank named UBS Bank USA as well as it’s aliases UBS Bank, Bank UBS et al.   UBS Bank USA and it’s aliases  were licensed only in Utah State   but had been illegally doing business  in other USA States for years.  Among other things but not necessarily all,   UBS Bank USA and it’s aliases has been interstate swindling UBS Clients using  UBS alleged mantra of solicit, recruit. isolate, control, dupe and loot.

But one example, UBS and it’s collaborators swindled the Robert L and Eunice Bailey Oaks Gardiner (Gardiner’s Island, New York) approximately $147,000,000 estate.  Eunices Palm Beach, Florida UBS bond broker and his family moved into Eunice’s domicile near President Trump’s Mar a Largo before her questionable death.  Before her disappearance from Palm Beach, Florida friends,  Eunice’s name was changed on legal documents to mimic or duplicate another recently nearby deceased Eunice Gardiner.   Eunice’s questionable death could have been an undocumented  murder with no autopsy  allowed.  Eunices friends thought she went on a common extended vacation.   No one came to Eunice’s  funeral home services  but for an overseeing  UBS  salesman who is documented as having  then shipped the body to New York.  The alleged body disappeared for approximately six months,  whereupon it  allegedly reappeared for an Easthampton, New York  burial.  Was it really Eunice?  If so, was her body hidden to allow  flushing  out of evidence?  UBS and a UBS Palm Beach, Florida collaborator known for devious similar trust/wills conduct (see Gannett publishing heir in became  Eunice Gardiner trustees. Eunices  bond salesman was given her domicile,  as well as known and  unknown personal possessions.  There are other UBS  elderly USA Clients documented as having received  similar UBS treatment.  UBS schemes successfully target  USA Federal and State Governments as well as UBS Clients.    Clinton/Bush II/Obama/UBS and  collaborators “misdeeds” have never been properly scrutinized by any USA State or Federal office.

Presently,  USA  un-convicted UBS luminaries  are  documented as covertly attempting to “facilitate”  the  Trump family through their  troublesome real estate  debts.   Although UBS AG strongly supported Hillary Clinton,  UBS AG has recently been definitively exposed  by a Mother Jones publication (see issue 3,  VC-71) for ledgered known accounts  exposing alleged attempts to  implement  Trump family sweat heart real estate loan schemes.   Related reliable sources have said  UBS and/or its collaborators are attempting  to ensnare the Trump family.   UBS has successfully used this scheme  with President Trumps  three susceptible predecessors Clinton/Bush II/Obama.   Conversely, UBS and/or  their collaborators are allegedly willing to diminish the Trump family real estate investments if President Trump  does not sign up, as  malleable Clinton/Bush I/Obama, for the legendary “UBS perfection experience”.

The UBS alleged Trump company bribery attempt is said to be a variation of  the deferred payment schemes given  to  Clinton/Bush II/Obama.   It is rumored to be  difficult for UBS and their collaborators because of the “drain the swamp”  believers now surrounding President Trump.  It is alleged ex-FBI Director Robert Mueller and/or  others will be investigating UBS AG deferred payment schemes  with Clintons/Bush II/Obama.  Hopefully, President Trump will conform to the integrity of those now around him wanting truly to fix Washington.   Our international readership is watching to see if President Trump’s commitments are truthful, as is his middle America “drain the swamp” constituency. We will continue to expose UBS AG while watching how Trump troops respond to our and other UBS AG revelations.  How can Washington ask other countries to fight corruptions while Washington is blatantly and  hypocritically committing them?

As noted above, we recently have been  exposing  UBS successful swindle  of the  Puerto Rican  UBS elderly  client investment class.  CNBC reports: “Robert McCann, the CEO of UBS Americas … was not only fully aware of the issue but knew the consequences if the firm [UBS] didn’t dial back leverage. … Moody’s Investors Service cut the rating of the island’s [Puerto Rican] bonds to just above junk status …  One email showed that the results of a stress analysis on how the downgrade would impact the firm’s [UBS] balance sheet were delivered directly to McCann.”   (see issue 5, VE 4-1>).  This massive top down UBS Puerto Rico swindle could not have been successful but for the aiding and abetting of President Obama’s office.      UBS constantly seeks to corrupt World politicians  for the UBS  “perfection experience”.    A reliable Swiss source has said  UBS presently plotting an encounter with President Donald Trump at Davos, for something.  From information and belief the task is for  UBS Chairman Axel Weber.  Armchair Axel. is a known regular at Davos  familiarly being soft  interviewed by media using the Alpine backdrop.    Axel knows the Davos nooks and crannies for his private intimating double speak conversations. As is UBS customary, Axel will invariably report back immediately to the awaiting UBS AG Group Executive Board.


As a one topic secondary news source, we are providing issue scrolls containing  relevant UBS reliable source documents  sprinkled with UBS insider jokes,  snippets and revelations.   Some of the pictures/cartoons  are portrayed as jokes.  The odorous  “fake news” has been avoided with  true and correct UBS related international articles  substantiating each other beyond any reasonable doubt.  This is accomplished with responsible investigative reporting as well as  our valuable international reliable sources.  In particular, we will initially dwell upon and otherwise emphasize how UBS has insinuated itself within the infrastructure of highest Washington offices to directly compromise politicians, judiciary and USA Federal Government agency “deep state” personnel.  This has resulted in diminishing USA Federal and State government  effectiveness in protecting USA citizens from predator UBS, especially the USA elderly.  We commend for their previous visionary work on the continuing President Obama deferred payment payback collaborations with UBS.  Please reference the USA oriented  when reading  Similar questions are being truthfully addressed the same way within, albeit with World coverage.  Some UBS known worldly opaque policies will be revealed.  We hope  affected nations  become aware through exposure to UBS connivances.  They then can construct a template to defend against the likes UBS and those who aid and abet  their World financial  deviances. UBS should be considered a documented danger to the vital interests of USA, as well as each and every country allowing UBS financial access to their citizenry, businesses, politicians and government agencies. We routinely update and edit content with recent UBS incidences affecting herein noted nations and their citizenry.  It is never the same.

We are willing to consult with readership regarding our more in-depth coverage.   Our corroborating documentation would enable countries to increase their financial security and/or assist domiciled businesses  and  citizens in  defending  themselves from known UBS continuing predatory practices.  More often than not, we are used to support a position against UBS in an internal dispute.  Our documented and reliable source corroboration has never  been refuted by a entity supporting UBS, ever.

Among other reliable sources, Herb Mallard has been of immeasurable  assistance availing his known corroborating booked secured documents collected over  decades of international business and government interactions.  Before retirement,  Herb represented the interests of several Middle East entities.  Herb has been called upon to assist sovereign wealth funds,  international businesses and other entities regarding due diligence scrutiny, especially on matters relating to international banking.   Among other luminaries, Herb Mallard is domiciled on the ocean in Palm Beach, Florida with David Koch a few streets North and Donald Trump’s Mar a Largo  several streets South.  Herb has known  David socially since university days in Boston/Cambridge and Donald in New York and Palm Beach.  Herb  continues to attend  sporadic gatherings at their respective domiciles.  USA conservative media hosts Rush Limbaugh and Ann Coulter also live nearby.  None  would like their UBS profiled families subjected to UBS and their collaborators’  predatory  incursions of solicit, recruit, isolate, control, dupe and loot.  Herb recently gave neighbor Bill Koch a few streets South  a quiet  heads-up on a devious  hostile takeover effort of his West Palm Beach Oxbow Corporation.  Bill spends much of his time minding his Colorado interests.  Bill swiftly and effectively quashed the attempt but a few outside principals,  said to be behind the operation,  remain at large.  From information and belief, it was an attempt at diminishing credibility of Bill’s also distinguished brothers David and Charlie Koch.   Some of the same Oxbow perpetrators are repeatedly referenced as UBS collaborators herein and within

Herb and his wife  frequently  entertain  international friends and dignitaries in Palm Beach and New York City  near the United Nations.  In fact, many UN top dignitaries live in their New York condominium building.  Now that Donald Trump is  Presidential  things have been rather hectic.   Invariably, our UBS coverage comes up in peripheral discussions.  We can only see Herb’s international  influence  growing as it had during his several years in Washington and other World  environs.  Let us not forget Herb’s last educational stint was private international law at the World Court Academie in the Hague, Netherlands.  Lifetime friendships with students  from various  other countries were initially made.  Herb has become  weary of increasing World queries for assistance.   regarding  UBS AG Swiss bank  from various entities; be they government officials, attorneys, corporations  or just sophisticated individuals.  Herb is nevertheless there to occasionally assist.

UBS must this time loose it’s Charter to do business within the USA since the UBS/Clinton/Bush II/Obama deferred payment corruptive schemes  are gradually  going to be allegedly shut down by President Trump and his effective  team.  We are now seeing President Trump’s team exposing UBS known collaborators. UBS AG (Swiss) Group Executive Board  schemers supported Hillary Clinton using alleged UBS shareholder and swindled client money to do so.  UBS and the Clintons lost.  The UBS AG Group Executive Board  should be admonished  and purged, thus clearing the rot at the UBS top.  Will UBS shareholders allow UBS  deferred payments to the Clinton/Bush II/Obama recipients  continue for these do-nothing retired Presidents?  Will countries ever again consider UBS a credible bank after reading our constantly changing newsletters?  Conversely,  we now see Goldman Sachs and Chase  join UBS as USA Federally unregulated Utah Banks. What gives! Let us now read our substantiated evidentiary statements interspersed with  humor.  Again, we are constantly updating and/or editing  randomly  all of our newsletter from our introduction to content in our last issue scroll.  Do not assume content is always same.  It is not.

Herb may be reached at:

All other pertinent communications should be directed to:,  or our private issue.









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