Readers I am John McDonnell, MD of Bespoke Investments Limited. This dialogue in this forum has just been forwarded on to me so I decided to register. I can assure this forum the company is an authorised advisor regulated by the Financial regulator in Ireland. Yes we are small, niche player and this is our fifth product offering since we were formed in 2008 and the first product we have advertised heavily in the marketplace. Please note that clients are investing their monies with Ulster Bank, Bespoke have simply created the product for the intermediary market we get paid a fee for placing the investment. The bond is a deposit based structure with Ulster Bank, all monies are made payable to Ulster Bank and the funds do not leave Ulster Bank and it is Ulster Bank providing the guarantee, not Bespoke. If people like the investment it we can put them in contact with a financial advisor on our panel depending on where they live, if they don't then fine. However it is anything but a scam. Thank you to Red Sox 1882 for your interest in our product.