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 by asking as many questions as possible, to keep the scammer preoccupied for as long as possible in an effort to waste their time and resources.

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.

Email #5, from Cameron:

Dear Herman,

Thank you for your prompt and detailed responses to my questions. I truly appreciate your patience and guidance throughout this process.

Based on your answers, I have a few additional points that I would like to clarify:

1. Regarding the transaction code on page 1, could you please inform me of the expected timeline for receiving the transaction code? I understand that it will be provided by the Trade Platform after my application is approved, but approximately how long does that process usually take?

2. For the Client Information Sheet on page 5, are there any specific details or documents that you would recommend including for a more complete submission? I want to ensure that I provide all the necessary information.

3. On page 8, when declaring the amount I would like to invest, should I specify the currency type? Additionally, if I choose to invest in multiple currencies, do I need to declare the origin of funds separately for each currency?

4. Concerning the Letter of Cease & Desist Confirmation on page 11, could you please provide some examples or guidelines on what should be included in the declaration? I want to make sure that I am accurate and thorough in my response.

5. On page 20, for the Proof of Life (POL), can I use any newspaper from the same day, or does it need to be a specific newspaper? Also, is there a particular section or page of the newspaper that should be visible in the photo?

6. Finally, for the Bank Confirmation Letter (BCL) on page 21, could you please provide an example or template of what is expected? This will help me understand the specific format and content requirements.

Thank you once again for your assistance and support. I want to ensure that I complete the KYC process accurately and efficiently to maximize our chances of success.

Best regards,

Cameron McCaffrey
cmccaff1@fau.edu

Email #6, from Herman:

Dear Cameron,

It is my pleasure to assist you.
Please refer to my answers below.

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


On Tue, Jan 23, 2024 at 2:41 PM Cameron McCaffrey <cmccaff1@fau.edu> wrote:
Dear Herman,

Thank you for your prompt and detailed responses to my questions. I truly appreciate your patience and guidance throughout this process.

Based on your answers, I have a few additional points that I would like to clarify:

1. Regarding the transaction code on page 1, could you please inform me of the expected timeline for receiving the transaction code? I understand that it will be provided by the Trade Platform after my application is approved, but approximately how long does that process usually take?
Supposedly you submit the KYC by Monday, usually it will take 3 days for the Trade Compliance to finish their Due Diligence and come up with the decision. If the decision is Yes, your KYC is being accepted, then Trader Rep will contact you to discuss the program details and condition. After you agree to fulfill the condition, the Trade Rep will submit a Trade Contract with the Transaction Code on it. If everything goes well, generally within a week of the Yes decision from the Trade Compliance, you will secure that transaction code.

 

2. For the Client Information Sheet on page 5, are there any specific details or documents that you would recommend including for a more complete submission? I want to ensure that I provide all the necessary information.
 
CIS on Page number 5 and 6 are simply to follow line by line on the table by completing them as complete as possible. If there are any fields in the table that are not relevant to you, then you can mark the fields as N/A (Not Applicable). An additional document which may be required, depending on the Platform requirement, is the latest utility bill to prove that you really live in the home address as written on CIS. So, please also prepare it in advance, in case if it is required by the Trade Compliance.
 

3. On page 8, when declaring the amount I would like to invest, should I specify the currency type? Additionally, if I choose to invest in multiple currencies, do I need to declare the origin of funds separately for each currency?

The currencies that are accepted are only USD and Euro. This is very important to know that other currencies are not accepted. Few Traders might also accept GBP, but in general USD and Euro are the accepted currencies. Your application (KYC) must represent each currency and each amount of investment. You cannot apply in one KYC by investing in multi currencies and multi amounts. Each currency, each amount, each KYC must disclose the origin of funds.
  

4. Concerning the Letter of Cease & Desist Confirmation on page 11, could you please provide some examples or guidelines on what should be included in the declaration? I want to make sure that I am accurate and thorough in my response.
 
Simply to populate the fields in parentheses as follows:
Date: put recent date the same as KYC submission date.
1st paragraph: put Cameron McCaffrey in (NAME), USA in (COUNTRY), passport number in (NUMBER).
2nd paragraph: put Cameron McCaffrey in (NAME).
4th paragraph: put Cameron McCaffrey in (NAME). Date: put the recent date the same as KYC submission date.
Sign on the brown box.
Underneath your signature:
Put your Name, Title, Passport #, date of issue, date of expiry, country of issuance.
Don't forget to put initial on the left bottom Footnote.
 

5. On page 20, for the Proof of Life (POL), can I use any newspaper from the same day, or does it need to be a specific newspaper? Also, is there a particular section or page of the newspaper that should be visible in the photo?

Each Newspaper must have a recent date, so please find that particular page to show it in the photo that you are holding the recent paperwork, dated the same as the KYC submission date. Any newspaper will do, but I recommend the newspaper that is known by the public rather than unknown or small circulation newspaper.

6. Finally, for the Bank Confirmation Letter (BCL) on page 21, could you please provide an example or template of what is expected? This will help me understand the specific format and content requirements.

That would be the same template, which I sent earlier on the first email, that I wrote to you. 

Thank you once again for your assistance and support. I want to ensure that I complete the KYC process accurately and efficiently to maximize our chances of success.
You're welcome.

Email #7, from Cameron:

Dear Herman,

Thank you once again for your prompt and comprehensive responses. It truly helps to have a clear understanding of each step in the KYC process.

Before I proceed with compiling all of the documents, I would like to confirm a few last points to ensure absolute accuracy:

1. To clarify the timeline after KYC submission, you mentioned that the due diligence process takes approximately 3 days. If there are any clarifications needed or further information requested by the Trade Compliance during this process, how will the communication be handled? Should I expect direct contact from the Trade Compliance, or will you facilitate the communication?

2. As for the Client Information Sheet and the potential request for a utility bill, which utility should it be? Are there any preferences such as electricity, water, gas, or does any utility bill suffice as long as it matches the home address provided?

3. Regarding the investment amounts in USD and Euro, if I decide to apply for investment with multiple currencies, would I need to complete separate KYCs for each currency? If so, could this process be expedited by submitting them simultaneously, or do they need to be processed individually in sequence?

4. With respect to the proof of life procedure on page 20, since the newspaper date is crucial, is there a specific cut-off time for taking the photo? For instance, if there’s a time difference between our locations, how should I account for that to ensure the newspaper’s date aligns with the KYC submission date?

5. Is there a limit to the amount that can be invested? If I’m considering a large investment, does this alter the KYC process in any way, or are there additional steps or precautions I should prepare for?

6. Lastly, concerning the Bank Confirmation Letter, if my bank has a different standard template, to what extent is there flexibility in the format, or is it imperative that the template you provided is adhered to strictly? Would deviations from the template if presented in an equivalent format, result in delays or issues with the application?

I want to take this opportunity to thank you once again for your patience and for guiding me through this intricate process. I am committed to ensuring everything is executed flawlessly and look forward to your guidance on these final queries.

Warm regards,

Cameron McCaffrey
cmccaff1@fau.edu

Email #8, from Herman:

Dear Cameron,

No problem, I am happy to assist you to the finish lane.
Here are the answers to your questions, typed by blue.

Regards,
<PRESIDIO_ANONYMIZED_PERSON>



On Tue, Jan 23, 2024 at 5:06 PM Cameron McCaffrey <cmccaff1@fau.edu> wrote:
Dear Herman,

Thank you once again for your prompt and comprehensive responses. It truly helps to have a clear understanding of each step in the KYC process.

Before I proceed with compiling all of the documents, I would like to confirm a few last points to ensure absolute accuracy:

1. To clarify the timeline after KYC submission, you mentioned that the due diligence process takes approximately 3 days. If there are any clarifications needed or further information requested by the Trade Compliance during this process, how will the communication be handled? Should I expect direct contact from the Trade Compliance, or will you facilitate the communication?

I will facilitate the communication to connect you with the Trade Compliance. 

2. As for the Client Information Sheet and the potential request for a utility bill, which utility should it be? Are there any preferences such as electricity, water, gas, or does any utility bill suffice as long as it matches the home address provided?

Any utilities will be fine, generally electricity/water/gas are accepted, as long as it matches to your home address written on the CIS.

3. Regarding the investment amounts in USD and Euro, if I decide to apply for investment with multiple currencies, would I need to complete separate KYCs for each currency? If so, could this process be expedited by submitting them simultaneously, or do they need to be processed individually in sequence?

Yes, you need to prepare a separate KYC for each currency. You can apply simultaneously at the same time.
Please create your own reference code for each KYC so the Trade Platform can differentiate the multi KYCs.
 

4. With respect to the proof of life procedure on page 20, since the newspaper date is crucial, is there a specific cut-off time for taking the photo? For instance, if there’s a time difference between our locations, how should I account for that to ensure the newspaper’s date aligns with the KYC submission date?

I believe you live in the US, so any major US newspaper will be good to go. Take the photoshoot in the early morning, so you can insert it in the KYC asap on the same day of KYC date.

5. Is there a limit to the amount that can be invested? If I’m considering a large investment, does this alter the KYC process in any way, or are there additional steps or precautions I should prepare for?
My direct connection with the Platform Intake is minimum $100 million, maximum $5 billion per KYC.
By investing a minimum $100 million, you have a special privilege, easier to enter and have more program options to choose than less $100 mil investment.
Anything below $100 minimum, I have to go through my special network to penetrate the Trade Desk. So, I recommend you start with a minimum USD/or Euro 100 million for the maximum results.

6. Lastly, concerning the Bank Confirmation Letter, if my bank has a different standard template, to what extent is there flexibility in the format, or is it imperative that the template you provided is adhered to strictly? Would deviations from the template if presented in an equivalent format, result in delays or issues with the application?

As I explained earlier, this is the major stumble why so many Applicants failed in the process. Each Bank has its own policy and regulations in terms of BCL. Ideally, you want to issue a BCL as shown in the template. I understood from Bernard that you want to invest without moving the funds. Please note the Trade Desks only want to deal with Top 100 rated Banks, which are not Chinese nor Russian Banks. The main challenge is your Bank is not a top 100 rated Bank, so your preference is only possible if your Bank can issue swift MT 799 as stipulated on the BCL via Top 100 rated Bank as a corresponding Bank. This top 100 corresponding bank becomes crucial because it can serve as a bridge to qualify you for the Trade. I edited the RWA/BCL a little bit by adding a sentence in the third paragraph, via Top 100 rated Bank as a corresponding Bank, such as JP Morgan Chase Bank. Please note JPM Chase is just an example, not necessarily to be that Bank. So, please do your best to influence your Bank in that direction. If your Bank can't issue the BCL as shown on the template, we will take it as it is, but your chance of success may be getting less.

I want to take this opportunity to thank you once again for your patience and for guiding me through this intricate process. I am committed to ensuring everything is executed flawlessly and look forward to your guidance on these final queries.

You're most welcome. Your success is my success too.
We work closely as a solid Team.

Email #9, from Cameron:

Dear Herman,

I am profoundly grateful for your diligent assistance and the depth of details you’ve provided to guide me through this process. Your patience and support have been invaluable.

I have just a handful of follow-up questions and clarifications to ensure that as we progress, we uphold the utmost accuracy and efficiency expected of us:

1. In facilitating my communication with the Trade Compliance, may I have an understanding of the usual protocol? Is there a secure method of communication you both prefer (e.g., encrypted emails, a secure portal)?

2. Once I prepare the utility bill, should it be notarized or authenticated in any form? And would a digital copy of the bill suffice, or do you require a hard copy?

3. For the separate KYCs appropriate for each currency, do the reference codes I create need to follow any specific format, or may I utilize an internal system unique to my records?

4. Concerning the early morning photoshoot, do I need to consider specific lighting conditions to ensure the newspaper date is readily verifiable in the photograph?

5. With the investment minimum set at $100 million, could you elaborate on the special privileges and additional program options available to an investor at this level? Also, what due diligence checks can I carry out to verify these privileged programs’ authenticity and potential returns?

6. As for working with a top 100 rated bank corresponding with a lesser-ranked institution where my funds are held, I understand the complications. Could you enlighten me on how frequently applicants succeed in this scenario and what steps they take to increase their likelihood of acceptance?

7. Finally, considering the updated RWA/BCL template with the referencing of a top 100 rated corresponding bank, would you anticipate any regulatory or compliance obstacles with such an arrangement that I need to be aware of?

Please know that your thoroughness is deeply appreciated, and I am committed to aligning everything on my end to meet the high standards of the Trade Platform. I’m looking forward to successfully concluding this KYC process as efficiently as possible with your expert guidance.

With sincere regards,

Cameron McCaffrey
cmccaff1@fau.edu

Email #10, from Herman:

Dear Cameron,

Glad that I can assist you the best to qualify for the Program.
Let me answer your inquiries below, typed by blue.

Regards,
<PRESIDIO_ANONYMIZED_PERSON>


On Tue, Jan 23, 2024 at 9:12 PM Cameron McCaffrey <cmccaff1@fau.edu> wrote:
Dear Herman,

I am profoundly grateful for your diligent assistance and the depth of details you’ve provided to guide me through this process. Your patience and support have been invaluable.

I have just a handful of follow-up questions and clarifications to ensure that as we progress, we uphold the utmost accuracy and efficiency expected of us:

1. In facilitating my communication with the Trade Compliance, may I have an understanding of the usual protocol? Is there a secure method of communication you both prefer (e.g., encrypted emails, a secure portal)?
There is no specific protocol, usually we can use Zoom for the virtual conference.

2. Once I prepare the utility bill, should it be notarized or authenticated in any form? And would a digital copy of the bill suffice, or do you require a hard copy?
There is no need to notarize the utility bill. Digital copy or scan pages from the hardcopy is sufficient.

3. For the separate KYCs appropriate for each currency, do the reference codes I create need to follow any specific format, or may I utilize an internal system unique to my records?
There is no specific format, you can make it up as you wish.

4. Concerning the early morning photoshoot, do I need to consider specific lighting conditions to ensure the newspaper date is readily verifiable in the photograph?
Not really, as long as the photo result is clear to be read, that should be good to go.

5. With the investment minimum set at $100 million, could you elaborate on the special privileges and additional program options available to an investor at this level? Also, what due diligence checks can I carry out to verify these privileged programs’ authenticity and potential returns?
Traditionally the PPP starts at minimum $100 million which is the sweetest spot amount for the Trader Platforms to create their programs, therefore you will have more program choices if starting at $100 million, compared to those less than $100 million investment. To maximize your returns, you can ask to participate in the bullet program for about 10 banking days, which produces the most aggressive ROI (Return on Investment), then you can request to enroll into a more steady 40 weeks program which produces modest ROI. That's why the RWA/BCL is designed for the full one year to hold your funds for the trade duration and administration time process. In terms of due diligence that you can carry out to verify the Trader programs, you can ask that request directly to the Trader Officer in the meeting. I am not in the position to answer that because it is beyond my authority to do so.

6. As for working with a top 100 rated bank corresponding with a lesser-ranked institution where my funds are held, I understand the complications. Could you enlighten me on how frequently applicants succeed in this scenario and what steps they take to increase their likelihood of acceptance?
Based on the statistics, there are many Applicants who failed more than success, which is actually normal. As an analogy, to be accepted into the Program is quite similar to being accepted as Harvard students. There are so many Applicants, but only limited slots are available. Investors with top 100 rated banks will have more priority over the clients with non top 100 rated banks. For those who are banking with non top 100 rated banks definitely have to work extra efforts to convince their Bank to issue RWA/BCL stipulates the ability to issue Swift MT 799 via Top 100 rated corresponding bank. Without that key bank document, I am sorry to say your competitive edge to win the trade slot will be very slim or not possible. However, this challenge can be overcome simply by your Bank to issue such mentioned documents.

7. Finally, considering the updated RWA/BCL template with the referencing of a top 100 rated corresponding bank, would you anticipate any regulatory or compliance obstacles with such an arrangement that I need to be aware of?
All smaller Banks in the world must have their corresponding Banks with larger Banks such as Top 100 rated Banks. This worldwide bank network is the standard practice in the banking swift system.
However, each Bank has its own regulations which can only be answered by your respective Bankers. Certainly, we are hoping your Bank can fulfill that request, but at the end of the day, neither of us can make a decision on the RWA/BCL, only your Bankers who can do that. Therefore, the key success of the PPP deal is actually depending on your Bank's ability to adhere to the Trader's requirements, especially on required bank documents, since you want to participate in the trades, but don't want to move the funds.
Alternatively, if your Bank can't issue the required bank documents as required by the Trade Desk, you can still participate into the Program without RWA/BCL, but you must move the funds into a secured account such as an IOLTA account or Trust account.

Please know that your thoroughness is deeply appreciated, and I am committed to aligning everything on my end to meet the high standards of the Trade Platform. I’m looking forward to successfully concluding this KYC process as efficiently as possible with your expert guidance.

Hope my inputs above can enlighten you and give some ideas to strategize yourself to be successful in this competitive PPP environment.

Email #11, from Cameron:

Dear Herman,

I must extend my gratitude for your continued cooperation and the comprehensive support you’ve afforded me thus far. Your explanations have been instrumental in preparing me for a successful KYC submission and have provided me with valuable insights into the complex landscape of Private Placement Programs.

As we tread closer to the conclusion of this preparatory phase, I seek to clarify just a few more aspects to ensure that no stone is left unturned:

1. You’ve mentioned a virtual conference via Zoom for communication with Trade Compliance. Is there a specific secure meeting ID or password that they will typically use, or will that be arranged at a later stage?

2. With regards to the utility bill, should it be from a certain period? For example, would a utility bill from the current month be more favorable for the process, or is there a specific range of dates that Trade Compliance prefers?

3. Regarding the photoshoot and ensuring the newspaper’s date is visible, should I also make a note of the time the photo was taken and perhaps attach that information somewhere within the KYC documentation?

4. You’ve piqued my curiosity with mention of the bullet program and the 40-week program. Could you perhaps provide a hypothetical example or a range for the ROI one might expect from such programs, just so I can forecast the potential financial implications for my portfolio?

5. Given the importance of banking with a top 100 rated bank for my application’s success, would it be worthwhile for me to consider transferring my funds to such an institution prior to participating in the PPP, assuming my current bank is unable to comply with the document requirements?

6. Lastly, on the matter of the regulatory and compliance landscape, I wanted to ensure that no international laws will be inadvertently transgressed. Are there particular regulatory bodies or compliance frameworks (e.g., FATF, Basel III) that I should be familiar with to maintain good standing throughout the transaction and the trade process?

As always, I anticipate the patience with which you’ve treated our correspondence and look forward to taking the next appropriate steps under your tutelage.

Thank you again for your time and your expertise. Here’s to a smooth and seamless process ahead.

With sincere regards,

Cameron McCaffrey
cmccaff1@fau.edu

Email #12, from Herman:

Dear Cameron,

No problem, I will do my best to work with you as a solid Team to reach our mutual success.
Please refer to my answers below.

Regards,
<PRESIDIO_ANONYMIZED_PERSON>


On Wed, Jan 24, 2024 at 5:45 AM Cameron McCaffrey <cmccaff1@fau.edu> wrote:
Dear Herman,

I must extend my gratitude for your continued cooperation and the comprehensive support you’ve afforded me thus far. Your explanations have been instrumental in preparing me for a successful KYC submission and have provided me with valuable insights into the complex landscape of Private Placement Programs.

As we tread closer to the conclusion of this preparatory phase, I seek to clarify just a few more aspects to ensure that no stone is left unturned:

1. You’ve mentioned a virtual conference via Zoom for communication with Trade Compliance. Is there a specific secure meeting ID or password that they will typically use, or will that be arranged at a later stage?
That will be arranged at a later stage. 


2. With regards to the utility bill, should it be from a certain period? For example, would a utility bill from the current month be more favorable for the process, or is there a specific range of dates that Trade Compliance prefers?
The most current utility bill is fine, of course the date will not be the same as KYC submission date, which is totally fine. 


3. Regarding the photoshoot and ensuring the newspaper’s date is visible, should I also make a note of the time the photo was taken and perhaps attach that information somewhere within the KYC documentation?
That would be great and helpful if you can show the time when the photo was taken for POL (Proof of Life). 


4. You’ve piqued my curiosity with mention of the bullet program and the 40-week program. Could you perhaps provide a hypothetical example or a range for the ROI one might expect from such programs, just so I can forecast the potential financial implications for my portfolio?
This is the sensitive question that I am hesitant to answer with the reasons as follows:
- Trade programs come and go quickly daily, so it would be difficult to tag the today's programs which are available now, but by the time you will be approved for the trades, those programs are no longer available.
- Only Trade Group Officers who are authorized to disclose the ROIs to the clients.
- Only Trade Group Officers who know the exact programs that fit to your qualifications and available at the time your file is approved.
So, what I can suggest is to discuss the ROIs directly with the Trade Group Officers when you are given a chance to have a meeting with them.
What I can inform as follows: Bullet programs generally last quickly for the trade duration between 10-20 banking days. The ROIs are generally calculated in daily basis and there is a possibility of daily profit disbursement or weekly. Because of the speed, that's why it is called bullet. This kind of trades produce much more aggressive ROIs than general classic 40 weeks programs, which normally deliver the ROIs in weekly basis. This combination is very powerful to maximize the ROIs. If I could advise you, ROIs are becoming not important if you don't qualify for the Programs, so in fact how to strategize yourself to qualify for the Programs is more important than the ROIs itself. Once you qualify for the Programs, you will be amazed in terms of how the Program can build the wealth for you within such a short period of time.




5. Given the importance of banking with a top 100 rated bank for my application’s success, would it be worthwhile for me to consider transferring my funds to such an institution prior to participating in the PPP, assuming my current bank is unable to comply with the document requirements?
Moving your funds to Top 100 rated Bank such as to JP Morgan Chase will definitely increase your success chance, especially if your current Bank cannot issue the Swift MT 799 as expected by the Trade Group. However, once your funds are sitting in JPM Chase, it does not mean that you are exempt from Swift MT 799. JPM Chase must also issue MT 799 to Trader's Bank. The difference is since JPM Chase is a qualified Top 100 Bank under Trader's criteria, they do not to use the Corresponding Bank to transmit the Swift, which will go directly to the Trader's Bank.
So, if I were you, take your time to sit with your Bankers and explain honestly what your intention to do with the PPP. If you have good relationship with the Bankers, I am sure they are willing to help you the best they can. Because they don't like you move the funds to other Bank if they can't help you. $100 million balance for the particular Bank branch will shake that Bank quite significantly, especially if the Bank is not large. 


6. Lastly, on the matter of the regulatory and compliance landscape, I wanted to ensure that no international laws will be inadvertently transgressed. Are there particular regulatory bodies or compliance frameworks (e.g., FATF, Basel III) that I should be familiar with to maintain good standing throughout the transaction and the trade process?
Don't worry to much about it. You are the client, not a Banker or a Trader. The one who must comply with those requirements are the Bankers and the Traders. As a client, you follow their procedures which I am sure they take all compliance matters such as FATF, Basel III, etc. The PPP is heavily regulated by reputable institutions such as Central Bank, SEC, IMF, World Bank, etc, so you are in good hands in terms of regulation compliance.

Email #13, from Cameron:

Dear Mr. <PRESIDIO_ANONYMIZED_PERSON>,

I’m wholeheartedly encouraged by your detailed explanations and the depth of your commitment to this partnership. It’s evident that our collaborative efforts hinge upon a clear understanding of each step, and with your guidance, I believe we can navigate this journey successfully.

I appreciate the latitude offered in our communications thus far, and as we are nearing the execution phase of our transaction, please allow me to further elucidate some of the finer points:

1. When the virtual conference via Zoom is arranged, will there be a secure protocol for verifying the participants’ identities to ensure no breach of confidentiality occurs during our discussion?

2. Regarding the current utility bill, you mentioned it doesn’t need to coincide with the KYC submission date. For optimal transparency, should I include a statement from the utility company explaining the billing cycle to preclude any possible confusion?

3. The inclusion of the time when the photo was taken for POL is a brilliant suggestion. In addition to this detail, will it be necessary to have the photographer or a third party sign a statement verifying the authenticity and timing of the photograph?

4. Your insight into the bullet and 40-week programs is immensely valuable. Although discussing ROIs is reserved for communication with the Trade Group Officers, could you advise on best practices to ensure my eligibility for such opportunities from the onset?

5. Transferring funds to a Top-100 rated bank is a significant move. In preparation, could you provide a simple due diligence checklist that outlines criteria to discuss with potential banks to ensure they’re fully aligned with the PPP requirements?

6. With the multitude of regulations required by various entities (Central Bank, SEC, IMF, World Bank, etc.), will there be a compliance officer from your side who will liaise with these institutions, or will I need to engage with them directly at any stage?

7. Lastly, assuming the KYC process goes smoothly and assuming the subsequent approval from the Trade Group, what immediate actions will I be expected to take? Will there be additional paperwork or contractual agreements to sign?

Your steadfast assistance has not only enlightened me but also fortified my resolve to advance with this venture. The detailed structure and defenses you’ve outlined against regulatory and compliance issues provide a firm foundation for my confidence.

I’m eager to iron out these last few questions and move forward with the actual KYC submission. Rest assured, you can count on my diligence and responsiveness as we enter this pivotal phase.

Warmest regards,

Cameron McCaffrey
cmccaff1@fau.edu

P.S.: As a token of my goodwill and in anticipation of our impending success, I plan to set aside a charitable contribution to a mutually agreed upon organization as testament to our shared values. Your thoughts on this would be greatly appreciated.

Email #14, from Herman:

Dear Cameron,

I am happy you are very enthusiastic and serious to qualify for the Programs.
Here are my answers to your questions below.

Best regards,
<PRESIDIO_ANONYMIZED_PERSON>



On Wed, Jan 24, 2024 at 11:09 AM Cameron McCaffrey <cmccaff1@fau.edu> wrote:
Dear Mr. <PRESIDIO_ANONYMIZED_PERSON>,

I’m wholeheartedly encouraged by your detailed explanations and the depth of your commitment to this partnership. It’s evident that our collaborative efforts hinge upon a clear understanding of each step, and with your guidance, I believe we can navigate this journey successfully.

I appreciate the latitude offered in our communications thus far, and as we are nearing the execution phase of our transaction, please allow me to further elucidate some of the finer points:

1. When the virtual conference via Zoom is arranged, will there be a secure protocol for verifying the participants’ identities to ensure no breach of confidentiality occurs during our discussion?
The Zoom meeting is usually restricted between the client and the Trade Group Officers only. That way, the private & confidential matters can be protected. If you assign me as an Exclusive Mandate, generally I will be allowed to participate in the meeting. Surely, I have an obligation to protect your privacy. 


2. Regarding the current utility bill, you mentioned it doesn’t need to coincide with the KYC submission date. For optimal transparency, should I include a statement from the utility company explaining the billing cycle to preclude any possible confusion?
Yes, that would be helpful if it is not a hassle for you to provide the billing cycle from the Utility Company.


3. The inclusion of the time when the photo was taken for POL is a brilliant suggestion. In addition to this detail, will it be necessary to have the photographer or a third party sign a statement verifying the authenticity and timing of the photograph?
It is not required to obtain the third party sign a statement verifying the authenticity and timing of the photograph. 


4. Your insight into the bullet and 40-week programs is immensely valuable. Although discussing ROIs is reserved for communication with the Trade Group Officers, could you advise on best practices to ensure my eligibility for such opportunities from the onset?
The best practices are basically to communicate with me who can bridge your expectation to the Trade Group. If you agree with my recommendation to participate in the Bullet Program first, then continue with the 40 weeks program, I will push the Trade Group to provide both programs to fulfill your expectation. 


5. Transferring funds to a Top-100 rated bank is a significant move. In preparation, could you provide a simple due diligence checklist that outlines criteria to discuss with potential banks to ensure they’re fully aligned with the PPP requirements?
I think I have explained it earlier. Although later you move the funds from an existing bank to a larger bank such as JPM Chase, it does not exempt you from the requirement of Swift MT 799. There is no such due diligence checklist. The KYC, in sequence page by page, itself is actually your due diligence checklist that you must fill out as complete as possible. 


6. With the multitude of regulations required by various entities (Central Bank, SEC, IMF, World Bank, etc.), will there be a compliance officer from your side who will liaise with these institutions, or will I need to engage with them directly at any stage?
Clients do not need to engage with those Institutions directly.  The Trade Group Compliance Dept will liaise with these Institutions.


7. Lastly, assuming the KYC process goes smoothly and assuming the subsequent approval from the Trade Group, what immediate actions will I be expected to take? Will there be additional paperwork or contractual agreements to sign?
If your KYC is approved later, the Trade Group will discuss the details with you. If both parties are agreeable, it will be followed by the written offer in the form of draft Trade Agreement, Fee Protection Agreements for you to review and sign. 


Your steadfast assistance has not only enlightened me but also fortified my resolve to advance with this venture. The detailed structure and defenses you’ve outlined against regulatory and compliance issues provide a firm foundation for my confidence.

I’m eager to iron out these last few questions and move forward with the actual KYC submission. Rest assured, you can count on my diligence and responsiveness as we enter this pivotal phase.
Glad that you have been absorbing the know-how knowledge to qualify for the PPP.  I will continue to support you consistently.


Warmest regards,

Cameron McCaffrey
cmccaff1@fau.edu

P.S.: As a token of my goodwill and in anticipation of our impending success, I plan to set aside a charitable contribution to a mutually agreed upon organization as testament to our shared values. Your thoughts on this would be greatly appreciated.
I appreciate your gestures.

Email #15, from Cameron:

Dear Mr. <PRESIDIO_ANONYMIZED_PERSON>,

I hope this message finds you in good spirits and well health. As always, I am exceedingly grateful for your painstakingly detailed explanations and commendable support. You’ve bolstered my confidence tremendously, and I am committed to navigating this process under your esteemed guidance.

As we approach the pivotal conclusion of our preparatory work, I seek to delve a little deeper into a final cluster of detailed inquiries to ensure unparalleled precision and effectiveness:

1. In anticipation of our upcoming virtual conference, could you potentially outline the protocols employed to verify participants and safeguard our confidential dialogue? Given the sensitive nature of our discussions, it’s paramount that we preempt any potential breaches comprehensively.

2. To facilitate utmost transparency, may I suggest that I procure a formal statement from my utility provider elucidating the billing cycle intricacies, attached for Trade Compliance’s reference? Should you deem this step constructive, I’ll promptly undertake it.

3. In reference to the POL photo, would it be prudent to include a digital timestamp within the image itself to reinforce its authenticity? If you consider this an extra layer of due diligence, I stand ready to ensure its implementation.

4. Your insights into both bullet and 40-week programs have sparked keen interest on my end. Would you mind advising on the preliminary practices I can adopt to enhance my candidacy for these exciting opportunities? Ensuring eligibility from the outset is a chief concern for me.

5. If you could be so kind, might I request a rudimentary due diligence checklist, focused on is vital PPP requirements, to facilitate preliminary discussions with potential Top-100 banks in case such a strategic fund transfer becomes necessary?

6. Regarding regulatory liaisons, your assurance relieves me profoundly. However, should the need arise for me to interface directly with compliance entities or officers at any stage, do let me know so that I can prepare accordingly.

7. In the fortunate event that we triumph through the KYC process and garner the Trade Group’s approval, you have my word that all subsequent required actions, paperwork, and contractual agreements will be handled with agility and acute attention to detail.

Mr. Neo, you have orchestrated a framework of regulatory and compliance defense that offers robust peace of mind. Please be assured of my fervent resolve and diligence as we voyage into the marrow of the KYC submission phase.

With thankful regards,

Cameron McCaffrey
cmccaff1@fau.edu

P.S.: In light of our shared philanthropic spirit and pending fruitful partnership, I would like to initiate a dialogue about potential charitable contributions. If you could suggest a list of esteemed organizations that align with our mutual ethos, I am eager to explore this avenue and make a heartfelt gesture in the vein of our progressing bond.

Email #16, from Herman:

Dear Mr. Cameron McCaffrey,

Thanks for your compliments.
Let me answer your inquiries below.

Regards,
Herman

On Wed, Jan 24, 2024 at 2:40 PM Cameron McCaffrey <cmccaff1@fau.edu> wrote:
Dear Mr. <PRESIDIO_ANONYMIZED_PERSON>,

I hope this message finds you in good spirits and well health. As always, I am exceedingly grateful for your painstakingly detailed explanations and commendable support. You’ve bolstered my confidence tremendously, and I am committed to navigating this process under your esteemed guidance.

As we approach the pivotal conclusion of our preparatory work, I seek to delve a little deeper into a final cluster of detailed inquiries to ensure unparalleled precision and effectiveness:

1. In anticipation of our upcoming virtual conference, could you potentially outline the protocols employed to verify participants and safeguard our confidential dialogue? Given the sensitive nature of our discussions, it’s paramount that we preempt any potential breaches comprehensively.
 I can assist later by setting up the zoom meeting with my User ID. My zoom account is the licensed one which has a stronger protection layer, rather than just a free account. I will also help by identifying each Participant and his/ or her role prior to the meeting.

2. To facilitate utmost transparency, may I suggest that I procure a formal statement from my utility provider elucidating the billing cycle intricacies, attached for Trade Compliance’s reference? Should you deem this step constructive, I’ll promptly undertake it.
Yes, that would be great. 
 
3. In reference to the POL photo, would it be prudent to include a digital timestamp within the image itself to reinforce its authenticity? If you consider this an extra layer of due diligence, I stand ready to ensure its implementation.
Yes, that would be great too. 
 
4. Your insights into both bullet and 40-week programs have sparked keen interest on my end. Would you mind advising on the preliminary practices I can adopt to enhance my candidacy for these exciting opportunities? Ensuring eligibility from the outset is a chief concern for me.
Best preparation of KYC including its bank documents are the preliminary practices that can enhance your success chance. Be honest from the beginning is also important, as I wrote earlier if the Trade Compliance reveals the findings contrary to what you state, then rejection is the consequence. Be humble is also necessary, many Riches apply the PPP and behave arrogant and try to control the Trade Group. It will not happen no matter how much moneys the Applicants have.
 
5. If you could be so kind, might I request a rudimentary due diligence checklist, focused on is vital PPP requirements, to facilitate preliminary discussions with potential Top-100 banks in case such a strategic fund transfer becomes necessary?
If you read on the 1st page of KYC, that is basically a due diligence checklist, followed by page per page of each section as an Index/Checklist on Page 1. 
 
6. Regarding regulatory liaisons, your assurance relieves me profoundly. However, should the need arise for me to interface directly with compliance entities or officers at any stage, do let me know so that I can prepare accordingly.
There is no need for the client to interact directly with the Government compliance entities. The only Compliance Entity that clients are communicating with is the Internal Compliance Department within the Trade Group.
 
7. In the fortunate event that we triumph through the KYC process and garner the Trade Group’s approval, you have my word that all subsequent required actions, paperwork, and contractual agreements will be handled with agility and acute attention to detail.
I like working with diligent and commited client such as You.
 
Mr. Neo, you have orchestrated a framework of regulatory and compliance defense that offers robust peace of mind. Please be assured of my fervent resolve and diligence as we voyage into the marrow of the KYC submission phase.
Thank you Sir. 
 
With thankful regards,

Cameron McCaffrey
cmccaff1@fau.edu

P.S.: In light of our shared philanthropic spirit and pending fruitful partnership, I would like to initiate a dialogue about potential charitable contributions. If you could suggest a list of esteemed organizations that align with our mutual ethos, I am eager to explore this avenue and make a heartfelt gesture in the vein of our progressing bond.
Well, if you plan to spend some fortunes for philanthropic, I really want to help homeless people, which nowadays are getting out of control nationwide. We can deploy some charity funds to the non-profit organizations which specialize in helping the homeless people. Alternatively, we can set-up brand new non-profit entity for that purpose.

Email #17, from Cameron:

Dear Mr. <PRESIDIO_ANONYMIZED_PERSON>,

Once again, I must express my deepest appreciation for the swift and thorough responses you’ve provided to my questions. It is evident that we both share a commitment to detailed preparation. This exchange has been extraordinarily elucidating, and as we inch closer to the KYC procedure, it fortifies my confidence in our prospective venture.

Before we finalize the plans for our Zoom conference, and as I prepare to gather all necessary documentation for the KYC submission, I have a few supplementary queries to address:

1. Could you please confirm if your Zoom account employs end-to-end encryption for our upcoming virtual conference? Security is of utmost significance, and I want to ensure our dialogue remains protected.

2. While obtaining a statement from my utility provider, is there a specific format the Trade Compliance prefers, or would any official utility statement be acceptable?

3. I will make arrangements to include a digital timestamp in the POL photo. Do you require this timestamp to reflect a particular time zone?

4. Your advice on the approach toward the bullet and 40-week programs is duly noted. Could you confirm that once the KYC and bank documents are submitted, there is a direct communication line available for any clarifications required by the Trade Compliance?

5. As I meticulously go through the KYC checklist on the first page, could you clarify if there is an expectation for a preliminary meeting with my bank’s compliance officer to ensure all details align with PPP prerequisites?

6. It’s reassuring to learn that I will not need to interact directly with governmental compliance entities. Would you be able to share the contact details of the Internal Compliance Department within the Trade Group for future reference?

7. I am thoroughly prepared to handle all actions that follow a successful KYC approval with the seriousness and precision they merit.

In recognition of our shared value of philanthropy and with your suggestion in mind, I am contemplating allocating a portion of my charitable budget to aid homeless individuals. I agree that we could explore two avenues – supporting established non-profit organizations or creating a new entity specifically aimed at this cause. Could we perhaps arrange a discussion to flesh out these possibilities further?

To ensure absolute clarity before moving ahead, I will lay out the entirety of my concerns and incorporate all our previous correspondence. I aim to have the KYC draft ready for your review by the end of the week. Rest assured, my commitment to this process is unwavering, as is my enthusiasm for our potential cooperation.

With sincere regards and anticipatory thanks,

Cameron McCaffrey
cmccaff1@fau.edu

Email #18, from Cameron:

Dear Mr. Cameron McCaffrey,

You are most welcome Sir. Happy to keep assisting you further.
Here are my answers to your questions below.

Regards,
Herman

On Wed, Jan 24, 2024 at 6:43 PM Cameron McCaffrey <cmccaff1@fau.edu> wrote:
Dear Mr. <PRESIDIO_ANONYMIZED_PERSON>,

Once again, I must express my deepest appreciation for the swift and thorough responses you’ve provided to my questions. It is evident that we both share a commitment to detailed preparation. This exchange has been extraordinarily elucidating, and as we inch closer to the KYC procedure, it fortifies my confidence in our prospective venture.

Before we finalize the plans for our Zoom conference, and as I prepare to gather all necessary documentation for the KYC submission, I have a few supplementary queries to address:

1. Could you please confirm if your Zoom account employs end-to-end encryption for our upcoming virtual conference? Security is of utmost significance, and I want to ensure our dialogue remains protected.
I contacted Zoom Support just now, and the Client Support guided me how to activate end-to-end encryption to my Account.
Attached is the transcript of my chat with the Client Support as an evidence of end-to-end encryption. 

2. While obtaining a statement from my utility provider, is there a specific format the Trade Compliance prefers, or would any official utility statement be acceptable?
There is no specific format. The official utility statement is acceptable. 

3. I will make arrangements to include a digital timestamp in the POL photo. Do you require this timestamp to reflect a particular time zone?
This timestamp can simply follow the time zone where your POL photo is going to be taken. 

4. Your advice on the approach toward the bullet and 40-week programs is duly noted. Could you confirm that once the KYC and bank documents are submitted, there is a direct communication line available for any clarifications required by the Trade Compliance?
Trade Compliance will not communicate directly with the clients. The Trade Intake Officer is the frontrunner who will communicate to the clients on behalf of Trade Compliance. 

5. As I meticulously go through the KYC checklist on the first page, could you clarify if there is an expectation for a preliminary meeting with my bank’s compliance officer to ensure all details align with PPP prerequisites?
A preliminary meeting should be conducted between You and Your Bank Officers, primarily to discuss the bank documents as required in the KYC. The key is how you can influence Your Bank Officer to support the Trader's requirements. Perhaps by meeting them  you will be able to deliver the convincing instructions that they can follow, rather than communication via phone or email.

6. It’s reassuring to learn that I will not need to interact directly with governmental compliance entities. Would you be able to share the contact details of the Internal Compliance Department within the Trade Group for future reference?
As I wrote above, the Internal Compliance Department is not for the client consumption. They will not communicate directly with the client. 

7. I am thoroughly prepared to handle all actions that follow a successful KYC approval with the seriousness and precision they merit.
I am delighted to see your enthusiasm and positive energies to fight for your spot in PPP. 

In recognition of our shared value of philanthropy and with your suggestion in mind, I am contemplating allocating a portion of my charitable budget to aid homeless individuals. I agree that we could explore two avenues – supporting established non-profit organizations or creating a new entity specifically aimed at this cause. Could we perhaps arrange a discussion to flesh out these possibilities further?
At the end of the day, it is not all about the money, but also how we utilize the proceeds for better communities. Later when you are active in philanthropy, someday you will be invited to be a part of the World Bank community with emphasis in social community improvements all around the world. This noble spirit is one of the PPP values. The Clients who think this way will have more priorities in the future and be treated as a closed loop community members of the World Bank.

To ensure absolute clarity before moving ahead, I will lay out the entirety of my concerns and incorporate all our previous correspondence. I aim to have the KYC draft ready for your review by the end of the week. Rest assured, my commitment to this process is unwavering, as is my enthusiasm for our potential cooperation.
I remember around 37 years ago I applied to several colleges at the same time. I did not want to risk my acceptance by applying to only one college, so I decided to apply for several colleges for safety. My approach was right. From several colleges that I applied to, some rejected and some accepted me. I ended up studying at California State University, Fullerton.

Well, I told you the story above with the reasons. As a PPP applicant, you were thinking maybe you can do the same approach by submitting your KYC simultaneously to several Trade Platforms to increase your chance of success. Unfortunately, if you do this college application approach, you are deadly wrong and killing your own chance. Why is that? Because all PPP Platforms in the world are regulated by Central Platform which keeps an eye on Platform activities worldwide.  They will find out if you do that college application approach, and will eventually terminate your application. So my strong advice is never to submit the KYC simultaneously. You must do it once at a time, meaning if you submit the KYC next week to one Platform, and unfortunately this Platform rejects you. Then you can try to submit the KYC to another Platform. Of course you need to update the KYC to a new date for the 2nd submission to another Platform. This difficulty often creates frustration to the clients because they need to refresh the KYC page by page, and the bank documents which are hard to get also need to be updated accordingly, because the KYC age cannot be exceeded for more than 3 calendar days. I don't want to discourage you, but this is the fact that you must prepare physically and mentally for the sake of your success.

Another wrong approach is often clients submit their KYC to several Brokers. These Brokers submit the client's KYC to the Platforms that they know. Eventually these submissions are considered as simultaneous submissions which will be found out by the Central Platform and resulting in immediate rejection. The way to minimize this risk is by appointing an Exclusive Mandate, let say for 60 days. So within 60 days you trust this Exclusive Mandate to penetrate the Trade Desks successfully. First try might fail, but the 2nd try might be successful, furthermore you don't submit your KYC simultaneously, because this Mandate knows the rules of the game, so you will be safe.  What happens in the market, there are many clients who are actually qualified, but don't understand the rules of the game, eventually they lose (not accepted) because they did the wrong approach. What a pity indeed.

Hope this input will enlighten you more to strategize the KYC submission successfully.

Email #19, from Cameron:

Dear Mr. <PRESIDIO_ANONYMIZED_PERSON>,

I hope this email finds you in the best of health and spirits. I must commend you on the thoroughness of your previous communications; they are greatly appreciated and have deepened my understanding of this entire process and what is required of my participation.

As we approach the next phase of preparations for the KYC submission, I find myself eager yet meticulous about ensuring that every detail is accounted for. In that spirit, I do have several further clarifications to seek your expert counsel on:

1. Regarding the end-to-end encryption on Zoom, I must commend you for ensuring the highest level of security. While reviewing the transcript chat with Zoom Client Support, could you verify the encryption standards used? Are they compliant with ISO 27001, especially considering the sensitive nature of our discussions?

2. In procuring the utility statement for the Trade Compliance team’s perusal, I want to ensure that no detail is overlooked. Is there perhaps a checklist of key information that the statement must contain to meet Trade Compliance expectations?

3. As for the POL photo with a digital timestamp, I am planning to ensure the highest quality and clarity. Would the Trade Compliance need the timestamp in any specific format – perhaps military time notation, or would the standard 12-hour clock format be acceptable?

4. Your insights on KYC submissions are invaluable, and I understand the importance of a direct and pristine submission protocol. Should there be any unforeseen discrepancies or additional requests from the Trade Compliance following my submission, who would be the first point of contact for coordination and resolution?

5. I fully acknowledge the significance of aligning with PPP prerequisites and plan on meeting with my bank’s compliance officer. Should this meeting lead to any further documentation or certifications required by the bank, how should these documents be furnished within the KYC package?

6. Realizing that Government compliance liaison will be managed internally by the Trade Group, how would I be informed of any changes to compliance regulations or requirements that might affect my KYC submission or the overall PPP?

7. In the event of a successful KYC process, I am primed to proceed with the necessary paperwork and proceedings. May I inquire if there is an estimated timeframe within which all follow-up matters are typically concluded post KYC approval?

I cannot begin to express how much I value this opportunity to contribute to the betterment of our communities, particularly in the area of homelessness. It’s a cause very close to my heart. May we schedule a meeting next week to discuss how best to channel any potential philanthropic endeavors once our partnership in the PPP is solidified?

Your last message has instilled the importance of not rushing into simultaneous KYC submissions. I am putting all my faith in your guidance, Mr. Neo, and I am prepared to exercise patience and diligence as you navigate us through this exclusive opportunity.

Thank you once again for your incisive instructions and for your dedication to this undertaking. I will compile a comprehensive draft of my KYC documentation for your review as soon as possible.

With deepest gratitude,

Cameron McCaffrey
cmccaff1@fau.edu

P.S.: Could you also provide an overview of the charitable landscape concerning homelessness? Understanding the structuring, governance, and impact reporting mechanisms of existing non-profits versus new entities would greatly assist in clarifying my approach to this charitable commitment.

Email #20, from Herman:

Dear Mr. Cameron McCaffrey,

I have read your email and let me respond by blue font as written below.

Regards,
Herman

On Thu, Jan 25, 2024 at 6:36 AM Cameron McCaffrey <cmccaff1@fau.edu> wrote:
Dear Mr. <PRESIDIO_ANONYMIZED_PERSON>,

I hope this email finds you in the best of health and spirits. I must commend you on the thoroughness of your previous communications; they are greatly appreciated and have deepened my understanding of this entire process and what is required of my participation.

As we approach the next phase of preparations for the KYC submission, I find myself eager yet meticulous about ensuring that every detail is accounted for. In that spirit, I do have several further clarifications to seek your expert counsel on:

1. Regarding the end-to-end encryption on Zoom, I must commend you for ensuring the highest level of security. While reviewing the transcript chat with Zoom Client Support, could you verify the encryption standards used? Are they compliant with ISO 27001, especially considering the sensitive nature of our discussions?
Frankly, I am not too familiar with the technical specific ISO 27001. Only Tech Support at Zoom can answer this inquiry.  Later today, let me set aside time to ask the Zoom Support.


2. In procuring the utility statement for the Trade Compliance team’s perusal, I want to ensure that no detail is overlooked. Is there perhaps a checklist of key information that the statement must contain to meet Trade Compliance expectations?
There is no checklist. You can just submit as it is. 


3. As for the POL photo with a digital timestamp, I am planning to ensure the highest quality and clarity. Would the Trade Compliance need the timestamp in any specific format – perhaps military time notation, or would the standard 12-hour clock format be acceptable?
Standard 12-clock format is acceptable. 


4. Your insights on KYC submissions are invaluable, and I understand the importance of a direct and pristine submission protocol. Should there be any unforeseen discrepancies or additional requests from the Trade Compliance following my submission, who would be the first point of contact for coordination and resolution?
It could be with me or with the Trade Intake Officer. 


5. I fully acknowledge the significance of aligning with PPP prerequisites and plan on meeting with my bank’s compliance officer. Should this meeting lead to any further documentation or certifications required by the bank, how should these documents be furnished within the KYC package?
In the KYC Package, there are specific pages for those bank documents. 


6. Realizing that Government compliance liaison will be managed internally by the Trade Group, how would I be informed of any changes to compliance regulations or requirements that might affect my KYC submission or the overall PPP?
The Trade Group Intake Officer will inform you, if any. 


7. In the event of a successful KYC process, I am primed to proceed with the necessary paperwork and proceedings. May I inquire if there is an estimated timeframe within which all follow-up matters are typically concluded post KYC approval?

It really depends on the speed of all parties involved such as the client, the Banker and the Trade Group Intake Officers. Normally, if all Parties work in harmony, a week should be sufficient to wrap all the follow-up paperwork post KYC approval.
 
I cannot begin to express how much I value this opportunity to contribute to the betterment of our communities, particularly in the area of homelessness. It’s a cause very close to my heart. May we schedule a meeting next week to discuss how best to channel any potential philanthropic endeavors once our partnership in the PPP is solidified?
Glad you have the same empathy to help homeless people. Surely we can connect sometime later next week.


Your last message has instilled the importance of not rushing into simultaneous KYC submissions. I am putting all my faith in your guidance, Mr. Neo, and I am prepared to exercise patience and diligence as you navigate us through this exclusive opportunity.
You got the point: patience and diligence are more important than rushing. The Programs are always there, so you don't really need to rush. 


Thank you once again for your incisive instructions and for your dedication to this undertaking. I will compile a comprehensive draft of my KYC documentation for your review as soon as possible.
You're welcome Sir. Glad my shared knowledge is helpful as one of your tools to strategize yourself to qualify for the Programs, 


With deepest gratitude,

Cameron McCaffrey
cmccaff1@fau.edu

P.S.: Could you also provide an overview of the charitable landscape concerning homelessness? Understanding the structuring, governance, and impact reporting mechanisms of existing non-profits versus new entities would greatly assist in clarifying my approach to this charitable commitment.
I just threw this idea if you want to spare some proceeds to the charity later. However, I am not involved in any homeless charity support at the moment, so I really can't provide any detailed information about it. We can work on it later after you receive the profits from the Trades.