The wife of a top cop yesterday denied she was told she would have immunity from prosecution in relation to Police statements in connection with the theft and fraud case involving former Bank of Bermuda chief Arnold Todd and three others.

Anne Richmond, former conveyancing clerk at the law firm run by Charles Vaucrosson, was giving evidence during the Supreme Court trial of Todd, Vernal Curtis, Milton Woods and Cecil Durham.

Todd's defence counsel John Perry QC suggested that the Attorney General's Chambers had indicated to Mrs. Richmond, wife of acting Assistant Police Commissioner Vic Richmond, that she would get immunity.

Mrs. Richmond replied: "No, not at all.'' Mr. Perry produced a letter addressed to her former employer Charles Vaucrosson from June which he claimed was an offer of immunity to him and Mrs.

Richmond.

But Mrs. Richmond said: "I certainly know nothing about this letter -- no-one from the Attorney General's Chambers has spoken to me about this letter.

Neither has Mr. Vaucrosson.

"I have not seen it before and no-one has communicated anything which is in this letter to me at all.'' She added if she had known she had immunity in June, she would have given Police a statement then.

Under questioning from Delroy Duncan, appearing for Curtis, Mrs. Richmond said her husband was a senior policeman.

Mr. Duncan said her husband had worked in the Police department investigating the alleged offences against Todd and his co-accused.

But Mrs. Richmond insisted she was not aware of any involvement her husband may have had with the case.

She agreed she knew of a letter from Bank of Bermuda legal representatives Appleby, Spurling and Kempe in which it was said they would make informal representations that she should not face prosecution in relation to any uncautioned statements she might make.

And she also agreed the AG's Chambers had indicated that no uncautioned statements would be used in any court proceedings against her.

Mrs, Richmond said she was aware that the same legal firm had offered to underwrite her legal representation during Police interviews.

But she said: "They can recommend all they like. It's not to say the Police are not going to do something about it. They can say it, but if you have done something wrong, it's out of their hands.'' And she added that she considered that the A.S. & K. letter had been given to her lawyers in connection with an investigation of Vaucrosson's legal firm.

Earlier, Mrs. Richmond admitted getting a loan based on a Bank of Bermuda application form containing false details.

Mrs. Richmond was shown a typed loan form from the Bank of Bermuda by Todd's defence counsel John Perry QC.

She admitted she had applied for a 100 per cent $250,000 loan in 1990 to buy a condominium, which was not available to non-Bermudians, for her daughter, who is Bermudian.

The application form listed Mrs. Richmond's nationality as Bermudian and listed the loan as being for a house for herself. She denied in court that she had said the property was for her own use or that she had said she was Bermudian.

But she agreed she got the loan before the house was built and before the bank held the title deeds as security.

Mrs. Richmond also agreed with Mr. Perry that she was "a striking example'' of the kind of lending policies current in the bank in the 1980s and early part of this decade.

But under questioning from Crown counsel Michael Pert QC, she said the bank knew the condominium was to be conveyed in her daughter's name and added that had been done in 1991.

Witness denies immunity claim And she told the court that she had not seen the type-written loan form when she visited the bank about the loan and admitted she was "surprised'' by some of the details on it.

Todd, 56, of Pearman's Hill, Warwick, faces 17 charges of theft, fraud and false accounting, allegedly committed between 1985 and 1990.

It is claimed he used his position as a top loan officer at the bank to submit bogus loan applications and used a network of companies to further his schemes.

Also in the dock are importer Vernal Curtis, 49, of St. Anne's Road, Southampton; hotel security chief Milton Woods, 61, of Old Road, Southampton and businessman Cecil Durham, 56, of Ramgoat Hill, Smith's Parish.

All face charges relating to the allegations against Todd. The four accused have pleaded not guilty to all charges, which involve around $1.2 million in total. The trial continues.