After doing a search for Proven Oil Asia I was directed to this series of comments. Clearly no one has seen the situation clearly. You do not get 3% interest every 3 months you only get the discount of 12% paid quarterly!!!
Therefore it is like buying discounted groceries at Tesco and only getting your discount in the future, not at point of sale. Even if you do get the discount at the end of the period you will own a number of drums of crude oil which may be of higher or LOWER value that you paid for it!!! A great scheme for raising money but a risky way of buying oil.