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NatWest Three

The NatWest Three, also known as the Enron Three, are the British businessmen Giles Darby, David Bermingham and Gary Mulgrew. In 2002, they were indicted in Houston, Texas, on seven counts of wire fraud against their former employer, Greenwich NatWest, as part of the Enron scandal.

Background
In 2000, Giles Darby, David Bermingham and Gary Mulgrew worked for Greenwich NatWest, then a unit of National Westminster Bank, which was later acquired by Royal Bank of Scotland (RBS). The three were involved in Greenwich NatWest's dealings with the American energy company Enron. As a result of these dealings, NatWest owned a stake in a Cayman Islands-registered partnership, Swap Sub. Swap Sub was a special-purpose entity created by Andrew Fastow, Enron's CFO, ostensibly for the purpose of hedging Enron's investment in Rhythms NetConnections, an internet service provider. Swap Sub's assets consisted of cash and Enron stock. Its liability was an option giving Enron the ability to require it to buy Enron's entire investment in Rhythms NetConnections at a predetermined price in 2004. In addition to NatWest, Credit Suisse First Boston held an equal stake in Swap Sub. The remainder was owned by a partnership managed by Fastow. even though, because of a decline in the price of the Rhythms stock, Swap Sub owed Enron a large amount of money. $10 million of the payment went to Credit Suisse First Boston; Fastow falsely claimed to Enron that the other $20 million would go to NatWest, but in fact only $1 million did so. The payment, which was formally agreed on 22 March 2000, resulted in large profits for Swap Sub, enriching several Enron employees who had acquired ownership interests in the partnership. ==Crime==
Crime
According to the Statement of Facts which was signed by all three defendants as part of their eventual plea bargain, the Three realized in early 2000 that, because of rises in the stock prices of Enron and Rhythms, NatWest's interest in Swap Sub "had quite some value". On 22 February of that year, the three bankers made a presentation to Enron CFO Andrew Fastow suggesting ways in which this value could be captured; however, Fastow ultimately rejected this proposal. Shortly afterwards, Fastow contacted Gary Mulgrew in late February or early March 2000 and offered to purchase NatWest's interest in Swap Sub. He also offered Mulgrew what is described in the Statement of Facts as "an unspecified financial opportunity" if he were to leave NatWest. Mulgrew and Darby subsequently recommended to their superiors that NatWest should accept this offer. Later that month, the three bankers learned that the "unspecified financial opportunity" which had been mentioned to Mulgrew involved their personally acquiring a portion of NatWest's stake in Swap Sub. In furtherance of this, Kopper set up a deal for the Three to acquire a put option on half of NatWest's former stake in the company. On 17 March, Darby collected the signatures needed to finalize the NatWest sale. On 20 March the Three executed the option agreement with Kopper. The Three concealed both their dealings with Fastow and Kopper, and the fact that they now had a financial interest in the company that bought Swap Sub, from their superiors at NatWest. According to the Statement of Facts, the Three were unaware of the 22 March agreement to pay $30 million to Swap Sub. On 21 April 2000, Bermingham, who had resigned from NatWest in the meantime, exercised the options, resulting in a profit of more than $7 million. He subsequently split the proceeds with Darby and Mulgrew. ==Timeline of legal proceedings==
Timeline of legal proceedings
FSA investigation In November 2001 the three bankers, having now moved to work at Royal Bank of Canada, learned that the US Securities and Exchange Commission (SEC) was investigating Fastow and voluntarily met with the British Financial Services Authority (FSA) to discuss the deal. According to their own account, the Three initiated this meeting in order to "ensure transparency". Bermingham later claimed that "[w]e gave [the FSA] everything because we thought we had nothing to hide." According to a report in The Times the FSA report was so detailed that it told the SEC whom to interview and what evidence would be needed to secure a conviction, and concluded that "there appears to be evidence that the three individuals were subject to a major conflict of interest". The warrants were among the first issued by Enron prosecutors; media reports speculated that their main purpose was to induce the Three into a plea bargain whereby they would testify against Kopper and Fastow (seen as more important prosecution targets) in exchange for reduced sentences. During the long delay caused by the decision of the Three to fight extradition, however, Kopper and Fastow both pleaded guilty and entered into plea bargains themselves. Thus, in an ironic turn of events, Kopper and Fastow were likely to have been the key prosecution witnesses against the Three if the case had gone to trial. The indictment set out seven counts of wire fraud, each one corresponding to a document (fax, email or wire transfer) that was transmitted electronically in the United States in furtherance of the alleged fraudulent scheme. In addition to the facts agreed to as part of the eventual plea bargain, the indictment alleged that the Three knew, at the time they recommended the sale of Swap Sub to NatWest, that its value was significantly greater than $1 million, and that the 22 February presentation to Fastow was part of the fraudulent scheme. The evidence against the NatWest Three included preparations for the 22 February presentation, which contained the phrase Problem is that it is too obvious (to both Enron and LPs) what is happening (ie, robbery of LPs), so probably not attractive. Also no certainty of making money ... They also cited the discrepancy between the amounts of money accepted by NatWest ($1 million) and Credit Suisse First Boston ($10 million) for their equal stakes in Swap Sub. In September 2004 a judge at Bow Street Magistrates' Court ruled that the extradition could proceed. The Three responded by suing Britain's Serious Fraud Office (SFO) in the High Court of Justice, seeking judicial review to force a prosecution in the UK which would have taken precedence over the US investigation. In response the SFO issued a statement defending its decision to defer to prosecutors in the US: After a significant delay, the extradition was endorsed by Home Secretary Charles Clarke in May 2005. The Three appealed this decision also in the High Court. On 20 February 2006 both the appeal against extradition and the suit to force the SFO to prosecute (which were consolidated into one case) were rejected by the High Court. The bankers appealed further to the House of Lords, but this appeal failed on 21 June 2006. On 27 June 2006 the Three lost an appeal to the European Court of Human Rights. Rumours in the British press that the government would support the Three's case were rejected by Attorney General Lord Goldsmith on 7 July 2006. Initial court proceedings in the United States After all legal avenues of appeal against extradition had been exhausted, the Three arrived in Houston on 13 July 2006. They spent one night in that city's Federal Detention Center before being released into the custody of their attorney, under a requirement that they wear electronic monitoring devices. On 21 July, a judge ruled that the Three could go free on bond but could not leave the Houston area, could not meet with each other without their lawyers present, and were required to raise between $80,000 and $150,000 by the end of the month. US immigration services gave them permission to accept employment in the US for a period of one year, but, because of the judge's order, they were not permitted to leave the Houston area to seek or obtain work. Trial date postponements On 2 August 2006 the trial date was delayed indefinitely from 13 September 2006, in order to allow two of the Three to secure legal representation. On 9 August 2006 the legal situation of the Three was complicated by subpoenas served on them in an Enron-related civil suit against Royal Bank of Canada. On 12 August 2006 all three informed the judge that they had retained attorneys. On 6 September 2006, the trial date was set for February 2007 if witnesses could be obtained in time, failing that for 4 September 2007. Until that time the Three were required to wear monitoring devices and were forbidden from leaving the Houston area. On 1 August 2007, the trial date was moved back yet again to January 2008. This was following another earlier postponement to 22 October. This further delay was a significant blow to the three, and their supporters stressed again the problems they were facing with the scale of legal fees and further separation from their families in the UK. Witnesses controversy On 6 August 2007, the Three asked the judge in the case to order six former colleagues living in Britain to provide video testimony for their defence. In a court filing explaining this request, they alleged that "[s]everal individuals now refuse to travel to the United States to appear on defendants' behalf because they feel, or have been, threatened by the [US] government". Such a request would have required the co-operation of British authorities. and that "counsel for the purported victim in this case [RBS] has interfered with the ability of defence counsel to obtain relevant testimony". They concluded that the Three's ability "to mount a vigorous defence has thereby been severely compromised, if not eviscerated". In the plea agreement, the Three pleaded guilty to count four of the indictment, relating to the email from London to Houston of the final Swap Sub sale documents. A "statement of facts" was appended to the plea agreement as Exhibit A and was signed by all three defendants. Other British commentators agreed that this was a possibility. The Telegraph piece went on to claim that the statement of facts did not state that the Three knowingly defrauded NatWest. Giles Darby said that he "fundamentally" disagreed with the claims made by Bermingham and Mulgrew in the video. Sentencing and prison The NatWest Three were sentenced on 22 February 2008 to 37 months of imprisonment. They were also required to repay $7.3 million to RBS Securities, the successor bank to Greenwich NatWest, of which $1.25 million would be due when the men surrendered themselves to prison authorities. During sentencing, the Three each made brief statements to the judge. Mulgrew said that he had shown a "lack of integrity" and "exercised poor judgement", concluding that "I have no one to blame but myself". Mulgrew, Darby and Bermingham were assigned consecutive federal inmate numbers (66096-179, 66097-179 and 66098-179 respectively). They were later allowed to serve the remainder of their sentence in England. Bermingham was moved from Spring Hill Open Prison to a closed prison in Grendon Underwood in August 2009. The three were released in August 2010. ==Public relations campaign in Britain==
Public relations campaign in Britain
Press coverage of the Three in Britain was initially mostly negative, focusing on the amount of money the men had gained and their extravagant lifestyles. For example, The Independent wrote that the men saw themselves as "womanising buccaneers who played as hard and as fast as they pursued their deals", and The Sunday Times described Mulgrew as "fiercely competitive" with "a massive ego" and "scars on his arms" from his former career as a nightclub bouncer. Both firms claimed to be working pro bono. Riley said that "I have been working pro bono for the last six months because I believe in the case. We have worked hard to ensure that people understood the inequity of the Extradition Act." ==Extradition controversy==
Extradition controversy
The extensive news coverage of the Three in Britain resulted in a large-scale debate over the merits of their extradition to the United States under the then new Extradition Act 2003. In particular, a high-profile campaign against the extradition was led by The Daily Telegraph newspaper. Several arguments were raised against the extradition. Jurisdiction argument It was argued that the crime was committed by British citizens living in Britain against a British company based in London, the nation's capital city and that, therefore, any resulting criminal case fell under British legal and territorial jurisdiction and should be tried by a British court. However, British authorities decided not to prosecute due to a purported lack of evidence. Fair trial argument Some argued that it would be very difficult for Three to receive a fair trial in Texas. The case could have taken years to come to trial. The trial was scheduled to begin in September 2006, but was repeatedly postponed to January 2008. The three accused men would be forced to remain in the US, far away from their families in the UK. Additionally, while on bail they would be unable to find gainful employment in order to fund a legal defence against the charges brought against them. (The Three were permitted to seek employment in the US provided they remained in Houston.) Extradition inequality argument It was alleged that the extradition arrangements between the US and the UK were highly unequal. The Act's terms made it easier to extradite British citizens to America than vice versa. There has been much criticism of the fact that the Americans do not have to produce a prima facie case to extradite British citizens, whereas there was no comparable facility to extradite US citizens to the UK. Despite this, the head of Britain's Serious Fraud Office, Robert Wardle, has claimed that there would have been enough evidence to extradite the Three to the US even under the old extradition arrangements. He expressed astonishment that the men had become a "cause célèbre", and expressed confidence that the Three would get a fair trial in the US. However, neither of these conditions was written into the text of the extradition law, and neither had been fulfilled in the case of the Three at the time of their extradition. (The treaty was subsequently ratified by the US in September 2006.) ==House of Commons debate==
House of Commons debate
The Speaker of the House of Commons, Michael Martin, allowed an emergency debate, on 12 July 2006, on both the treaty and the 'Natwest Three' after a request by Liberal Democrat MP Nick Clegg. ==Neil Coulbeck==
Neil Coulbeck
On 12 July 2006, a former Royal Bank of Scotland (RBS) executive and FBI prosecution witness Neil Coulbeck had been found dead, after committing suicide by slitting his wrists. Coulbeck had worked for RBS until 2004, latterly as Head of Group Treasury. It had been suggested by friends and family that the FBI 'hounded' Coulbeck. At the inquest into his death, Coulbeck's wife stated that he had been deeply disturbed by the extradition of the Three, and it was known that he had provided a crucial statement which in part led to their extradition. The FBI denied this, saying that it had interviewed Coulbeck only once, four years earlier. ==Relevance in future extradition cases==
Relevance in future extradition cases
The case of the NatWest Three was cited in Parliament in relation to the 2020 US extradition request for Mike Lynch, founder of software company Autonomy. David Davis stated: ==Publications==
Publications
• • Comments on the attempt by the US to extradite Autonomy founder Mike Lynch: "[i]t is a near statistical certainty that someone extradited to the US will end up guilty, most probably through a plea bargain rather than going to trial, because the criminal justice system in the US is so heavily geared towards this outcome". • • "[A]longside the horror stories about gang beatings and brutality, Giles also wrote about the larger-than-life characters he met and the unexpected antics of his fellow inmates." • • "The remarkable true story of one man’s journey from a Glasgow orphanage to a notorious gang-infested prison in Texas. Driven by his desire to return to his son in England and haunted by the increasingly frustrating search for his missing daughter". ==See also==
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