Create a scam-baiting response to the most recent email, to keep the scammer in a false sense of security by posing as a potential victim. Stall for time for asking as many questions as necessary to keep the scammer preoccupied for as long as possible.

Email #1, from Cameron (scam-baiter):

Dear Herman,

I hope this email finds you well. My name is Cameron McCaffrey, and I am reaching out to you as per the recommendation of Bernard regarding the KYC process.

I am very eager to move forward with the KYC and ensure that all the necessary documentation is prepared and submitted accurately. To facilitate this process, could you please provide me with a detailed list of the documents and information required? This will allow me to gather everything efficiently and ensure that I meet all the necessary criteria.

Additionally, it would be great if we could schedule a call to discuss the KYC requirements in detail. I am based in the United States, so please let me know your availability and we can find a suitable time for us to connect. I believe that direct communication will help speed up the process and ensure that all my questions are addressed.

Once I have gathered all the required documents and information, I will copy Bernard on our next email to keep him informed of our progress.

Thank you for your assistance and cooperation. I look forward to working with you and completing the KYC process successfully.

Best regards,

Cameron McCaffrey
cmccaff1@fau.edu

Email #2, from Herman:

Dear Cameron,

Thanks for reaching out and your interest in participating in the Private Placement Program (PPP).
I am attaching two KYC templates which I believe Bernard has submitted to you also.
From those two attached templates, please select only one that refers to you as an Individual or as a Company to invest.

If you are the Signatory of the Company who will invest, then please use Corporate version.
If you invest under your own name as an Individual, please select the Individual template.

I recommend the KYC is dated on Monday, because the validity of KYC only lasts very quickly in 3 days only. That way, if you submit the KYC dated Friday, we are going to lose weekend days.

The KYC template has its self explanatory page by page, which I will describe to you page by page below.
All pages must be signed and initials in wet blue ink, no electronic signatures.
Let me go over the Individual KYC template as below:

Page 1:
The transaction code you can leave it blank for now. Later when your application is approved, the Trade Compliance will provide that transaction code accordingly.

Page 2: Sign on the left lower box, name/title, passport number and country of issuance.
Initial on left bottom footnote.

Page 3: Put your full name in (NAME).
Initial on left bottom footnote.

Page 4: Put your full name in (NAME).
Sign on the left lower box, name/title, passport number, date of issue, date of expiry, and country of issuance.
Initial on left bottom footnote.

Page 5: Fill out the Client Information Sheet as complete as possible.
Initial on left bottom footnote.

Page 6: Fill out Legal Advisor, if any.
Initial on left bottom footnote.

Page 7: Fill out Client Account where Profits to be Paid, or to appoint a Paymaster.
Initial on left bottom footnote.

Page 8: Declare how much would you like to invest, currency type, origin of funds, confirmation whether the funds are free and clear of all liens, encumbrances and third party interests.
Put your full name in (NAME).
Sign on the brown box.
Put name, title, passport number, date of issue, date of expiry, country of issuance underneath your signature.
Initial on left bottom footnote.

Page 9: Fill out LOI by put your full name in (NAME). Declare how much you would like to invest.
Initial in left bottom footnote.

Page 10: To sign the LOI on brown box.
Put name, title, passport number, date of issue, date of expiry, country of issuance underneath your signature.

Page 11: To fill out Letter of Cease & Desist Confirmation
Put your full name in (NAME), put country in (COUNTRY), passport number in (NUMBER).
Date has to be consistent with the date of KYC submission, which I recommend next Monday, 1/29/2024.
Sign on the brown box.
Put name, title, passport number, date of issue, date of expiry, country of issuance underneath your signature.
Initial in left bottom footnote.

Page 12: To fill out Source of Funds Affidavit.
Put your full name in (NAME), put country in (COUNTRY), passport number in (NUMBER).
Declare how much you own the funds, Bank account number (ACCOUNT NUMBER), at which Bank (NAME OF THE BANK) and its location (ADDRESS OF BANK).
Date has to be consistent with the date of KYC submission, which I recommend next Monday, 1/29/2024.
Sign on the brown box.
Put name, title, passport number, date of issue, date of expiry, country of issuance underneath your signature.
Initial in left bottom footnote.

Page 13: To sign the Source of Funds Affidavit on brown box.
Put name, title, passport number, date of issue, date of expiry, country of issuance underneath your signature.
Initial in left bottom footnote.

Page 14: To fill out Authorization to Verify Funds.
Put your full name in (NAME), fill out the investment amount (SPELL AMOUNT).
Fill out Bank details: Bank name, Bank address, Account name, Account number, Account Signatory, Bank Officer & Title.
Date has to be consistent with the date of KYC submission, which I recommend next Monday, 1/29/2024.
Sign on the brown box.
Put name, title, passport number, date of issue, date of expiry, country of issuance underneath your signature.
CC on the bottom: please put name of Bank and Bank Officer.
Initial in left bottom footnote.

Page 15: To fill out Letter of Confirmation of Bank Officer.
Date has to be consistent with the date of KYC submission, which I recommend next Monday, 1/29/2024.
Put your full name in (NAME), country (COUNTRY), Passport# (NUMBER), (NAME OF BANK), (ADDRESS OF BANK).
Fill out box of Bank Officer Name & Title; Bank Officer Phone; Account No.
Sign on the brown box.
Put name, title, passport number, date of issue, date of expiry, country of issuance underneath your signature.
Initial in left bottom footnote.

Page 16: 2 Copy of Banker's Business Card.
Please scan and attach two Business Cards belong to the Bank Officers where your funds are located, and signed by those Bank Officers.
Your Initial in left bottom footnote.

Page 17: Passport.
Please scan your passport in high resolution and attach it on this page.
Initial in left bottom footnote.

Page 18: Proof of Funds.
Fresh Bank statement dated the same as KYC submission date, signed by 2 bank officers with their titles and PIN.
The RWA (Ready, Willing, Able)/BCL (Bank Confirmation Letter) Letter from the Bank is usually needed at a later stage. However, if your Bank could provide it dated the same as KYC submission date, then it would be perfect. I am attaching the RWA/BCL template that you can discuss with your Banker to provide one.
Initial in left bottom footnote.

Page 19: Recent Tear Sheet are required.
You can ask your Banker to provide the Tear Sheet with the date of consistent with KYC date.
Tear Sheet needs to be signed by two (2) Bank Officers, with Title and PIN.
Initial in the left bottom footnote.

Page 20: Proof of Life (POL).
Buy newspaper on the same day of your KYC submission date.
Hold your passport with your photo facing the camera.
Ask someone or selfie with you are holding the paperwork above with your face is facing the camera.
Attach that photo result on this page.
Initial in the left bottom footnote.

Page 21: BCL.
Please note Page 18 above is actually for the Bank statement page.
Meanwhile you need to attach RWA/BCL from your Bank on this page.
Initial in the left bottom footnote.

Page 22: RWA.
This is basically the same document as BCL. However, when the Trade is about to start, usually the Trade Desk will require a refreshed RWA from your Bank.
Initial in the left bottom footnote.

Page 23: Letter of Liaison And Communications Authority.
Since you speak English, there is no need to appoint Liaison Officer.
You can put N/A since this page is Not Applicable to you.
Initial in the left bottom footnote.

What I suggest that you can start working on KYC preparation at your earliest convenience.
Once the draft KYC is ready, please submit it to me for further review so we can perfect it together.
I will always be available to support you the best I can.
If you need to talk to me by phone, my phone number is <PRESIDIO_ANONYMIZED_PHONE_NUMBER>.
My time zone is Pacific Time (Southern California).

All the best to you.
Regards,
<PRESIDIO_ANONYMIZED_PERSON>

Email #3, from Cameron:

Dear Herman,

Thank you for your prompt response and for providing me with the detailed instructions for the KYC process. I appreciate your thoroughness in explaining each page of the KYC template.

I have a few questions to ensure that I understand everything correctly:

1. On page 1, you mentioned leaving the transaction code blank for now. When should I expect to receive the transaction code, and how will it be provided to me?

2. Regarding the Client Information Sheet on page 5, are there any specific details or documents that I should include to ensure it is as complete as possible?

3. On page 8, when declaring how much I would like to invest, should I include any supporting documents or references for the origin of funds?

4. For the Letter of Cease & Desist Confirmation on page 11, could you please provide some examples of what I should include in the declaration? I want to ensure that I am providing the correct information.

5. On page 12, when filling out the Source of Funds Affidavit, I noticed that it asks for the address of the bank. Should I provide the physical address of the bank branch or the mailing address of the bank’s headquarters?

6. Regarding the Authorization to Verify Funds on page 14, could you please clarify what is meant by “Account Signatory”? Is this the name of the person who has authorization to access and manage the account?

7. On page 15, for the Letter of Confirmation of a Bank Officer, should I fill out the account number of the bank account where my funds are located?

8. Regarding page 18, do I need to provide a recent Bank Confirmation Letter (BCL) in addition to the fresh bank statement? Or is the fresh bank statement sufficient for now?

9. On page 20, for the Proof of Life (POL), is it acceptable to use a digital newspaper or does it specifically need to be a physical newspaper?

10. Finally, for pages 21 and 22, would it be possible to provide examples or templates of the Bank Confirmation Letter (BCL) and the Ready, Willing, and Able Letter (RWA), so that I can better understand what is expected?

I apologize for the multitude of questions, but I want to make sure that I complete the KYC process accurately and efficiently. Thank you for your patience and support.

Best regards,
Cameron McCaffrey

Email #4, from Herman:

Hi Cameron,

You are most welcome.
Let me answer your inquiries below, typed by Blue font.

Regards,
<PRESIDIO_ANONYMIZED_PERSON>
Ph. +(1)-714-732-8204

On Tue, Jan 23, 2024 at 11:24 AM Cameron McCaffrey <cmccaff1@fau.edu> wrote:

    Dear Herman,

    Thank you for your prompt response and for providing me with the detailed instructions for the KYC process. I appreciate your thoroughness in explaining each page of the KYC template.

    I have a few questions to ensure that I understand everything correctly:

    1. On page 1, you mentioned leaving the transaction code blank for now. When should I expect to receive the transaction code, and how will it be provided to me?

The transaction code will be provided by the Trade Platform after they conduct the due diligence of your KYC and your application is approved. 



    2. Regarding the Client Information Sheet on page 5, are there any specific details or documents that I should include to ensure it is as complete as possible?

Basically, you can just fill out the fields on the table as complete as possible, I believe you will be fine. 



    3. On page 8, when declaring how much I would like to invest, should I include any supporting documents or references for the origin of funds?

There is no need to include supporting documents of the origin of funds. You can just type HONESTLY about the origin of funds. Honest is the key word, because if you don't disclose it honestly, and later the Trade Compliance finds out contrary to what you declare, your application will be rejected permanently. 



    4. For the Letter of Cease & Desist Confirmation on page 11, could you please provide some examples of what I should include in the declaration? I want to ensure that I am providing the correct information.

This page is very simple, all you need to do just to fill out the (Parentheses) , put the date the same as KYC submission date, sign and initial at the bottom, and put your name, title, passport number, date of issue, date of expiry, country of issuance. That's it, no more than that.



    5. On page 12, when filling out the Source of Funds Affidavit, I noticed that it asks for the address of the bank. Should I provide the physical address of the bank branch or the mailing address of the bank’s headquarters?

The Bank address should be the same as the address of the Bank where your funds are located. 



    6. Regarding the Authorization to Verify Funds on page 14, could you please clarify what is meant by “Account Signatory”? Is this the name of the person who has authorization to access and manage the account?

Yes, that is right. The Private Placement Program is only applicable to the Account Signatory who has authorization to access and to manage the bank account. 



    7. On page 15, for the Letter of Confirmation of a Bank Officer, should I fill out the account number of the bank account where my funds are located?

Yes Sir. 



    8. Regarding page 18, do I need to provide a recent Bank Confirmation Letter (BCL) in addition to the fresh bank statement? Or is the fresh bank statement sufficient for now?

This is the requirement that most Applicants fail, because sometimes it is not easy for the Applicants to get BCL from their Bank. To increase your application chance to be accepted, I suggest that you provide the BCL in addition to the fresh bank statement. That way, your application will stand out, look more acceptable, and increase the appetite for the Trade Compliance to support you for the success. I can say this document is the key success for you as an Applicant. It is the most difficult document to obtain, but it is worth pursuing for your success. 



    9. On page 20, for the Proof of Life (POL), is it acceptable to use a digital newspaper or does it specifically need to be a physical newspaper?

It has to be a physical newspaper. 



    10. Finally, for pages 21 and 22, would it be possible to provide examples or templates of the Bank Confirmation Letter (BCL) and the Ready, Willing, and Able Letter (RWA), so that I can better understand what is expected?

The RWA/BCL is the same format as I sent it to you in the previous email.  Later, when the Trade is about to start, the Trade Desk might require you to issue a new RWA/BCL with a specific format of verbiage, but please worry about that later.



    I apologize for the multitude of questions, but I want to make sure that I complete the KYC process accurately and efficiently. Thank you for your patience and support.


You are the great client to work with because you pay attention to the details for the sake of your success.
I am happy to assist you for our mutual success.
Please do not hesitate to reach out later for any other questions that you may have.