Tuesday, November 18, 2014

TNT Call notes 17-Nov-2014

TNT Call notes 17-Nov-2014

Tony:  Good morning, TNT!  Today is Monday, November 17, 2014, a day we thought we’d never see on this call… but things are getting much, much better. We will be direct and informative today about where we are and the process, let you know some things that happened over the weekend with the government and the bankingsystem. We will tell you the rollout plan and after the rollout begins, and how you can put a halt to the whole thing!  DC?

DC:  As normal, Iraq looks as if their television has been saying “the international economic reforms are ready to roll out, and they are in process” with a lot about international currency reform and revaluation of the currency, that they are just working out the timing.  We firmly believe that the 8 and 11pm news will be more open and honest about where we are in terms of the RV happening there.

Tony:  Abadi was supposed to explain the RV process…

DC:  Right, in the mosques this morning and it will hit the television soon.  IN the mosques this morning they announced in the four major cities of Iraq that “this is really happening now, PM Abadi is going to tell everyone this is what we are going to do and what we are expecting.”  The CBI has explained the process, the things they have been seeing on television a lot, and the PM will explain what that means for Iraq. So in the mosque they have prepared everyone to be close to a television or radio today. They truly believe this is it, and ONE rate will apply to the entire
country.  

Abadi will explain all this. On the legislative side, they have passed more laws, clean up bills and a bit more on thebudget plus other normal business activities and ISIL actions.  A lot of that has been dealt with.  

ISIL is still in Iraq but is being pushed out, and they have taken some desperate actions that will come out in the news.  It’s bad, but doesn’t affect the RV perspective, just affects the poor souls involved.  ISIL has finally got the message that they will not be allowed to exchange, so they are doing black market stuff and law enforcement has been watching like a hawk. There is a some last-minute training for Iraqi banks and CBI.

Tony:  So Iraq was geared up for celebrations Friday andSaturday.  Six provinces are in the process of declaring bankruptcy.  ISIL is creating their own currency because there are plans to block their exchange of dinar… so they are exchanging now, while it’s legal. All that should have made this happen this weekend.  There was an extension asked for at the G20 this weekend.

DC: The US led the push to delay this further, and most others were gnashing their teeth and saying it is baloney. (Trying to clean up my language because my mother-in-law caught me using language.)  Everyone else said, “No way” but they allowed a very short period of time in exchange for goodies for Iraq that helps their security and fight against ISIL.  So they agreed to a minor delay to clear a few things up. Abadi has not spoken yet, but we hope he will be on the 11pm news saying “Here’s what has happened”.

Tony:  We were gearing up forSaturday and Sundayand SundayIraq was told “it’s up to you, do it when you want to do it” and now we are waiting for 11pmin Iraq.

DC: We did hear that a very small extension given, and we don’t know when it started

Tony:  It’s not 3-4 days.

DC:  It is shorter, and it was almost a face-saving thing for those who were pushing so hard for more time.  That’s Iraq.
In the good old US of A, a lot of the UN folks are at the G20, and there is consternation about what is going on, that it’s baloney and it has to be cleaned up.  There was a lot of outrage, and as a result, Iraq has the ball again.  The IMF+BIS have been doing their coordination part, with lots of unsung heroes keeping 100+ countries lined up, calm and coordinated, and adjusted to the right schedulesThe banks are cued up and ready and to go, ready to exchange, cranked up even more in the last day or two, in anticipation of the public RV.  We will talk about some meetings that occurred, not to be antagonistic, but to apply more pressure.

Tony:  We will give you some great detail here – and you will hear it all day today. Some is negative, but understand what we’ve gone through as we receive all this information.  We start getting a lot of bank information and some people got excited about it.  That is how information comes out, in bits and pieces, some parts are good or bad, or“I can’t believe they said that”, so you have to keep digging and call all around the world and get all the pieces to understand what was really being said in this meeting. It’s like the five blind men and the elephant.  You will hear other bits and rumors, but we have the whole picture now. Some others are panicking, but we’ll go through it the best we can.

DC:  What we have proven time and time again, and will continue to prove, is that although many on this line haven’t had much money, we are learning ourselves and taking a measure approach to all information. If there is something wrong, there will bea problembut as long as the general public is treating fairly, then we won’t object if someone is trying to cut a better deal against ISIL.  If we are treated unfairly, there will be a problem. We are bringing this information into the public in order to apply pressure and to provide light in what is going on where others want it to stay in darkness.  They really cannot keep this from us, even if they want to.  In any kind of intelligence gathering, don’t’ talk about it.  We and many others have documentation, notes, recordings and all the rest We support and are trying to be part of the process in getting this done, and we pray it is close to being done.

There was a meeting last Friday that walked through the process for the US exchanges. There were several key topics.  One is that some banks don’t want to deal with the general public.  For two to three thousand dollars in exchange fees, they argue that they will have people who have never had bank accounts, and it’s not worth their while to take that on.  So many of the major issues don’t want to take on the general public because they are scared of security and process issues.   So for thelast year, the banks have been told ‘touch’, but others have just decided to back out.  So the UST said they can pick their own customers.  The prime contractor or main bank in charge of the US side is stuck with all of us.  They will try to close some of those accounts quickly, yes, for the same reasons as the other banks.  But there was a meeting about how the other banks would just exchange for their preferred customers, at various rates ranging from 50 cents to $28+. 
So the banks got what they wanted in the biggest meeting and the smaller meetings too. Some have taken this as the banks not fulfilling their agreement to deal with the public;  we don’t believe that, we think it’s just a few banks getting their ducks in a row. There was also specific executive action to say that“if things get out of hand” then the banks don’t have to do business with you and they can shut down the whole process if people are stupid.  There are plans from Homeland and bank security to handle people walking through their doors.  They can also handle the occasional idiot, but they are more concerned about the rush of public.
They also talked about contract rates and now the number of exchanges is going up.  How we get into those is still a mystery, and we assume it’s through banking relationships and political connections and some ordinary folks are just lucky. There are still folks who actively don’t want the US or Iraqi public to have this, and they made their points clear;  folks listened but said that they cannot accede due to rules and regulations. They can slow down or stop the exchanges for the general public, and that would force us to go overseasand it becomes more complicated that way.  That is the desire of the banks, of O himself or the key banking heads to create that issue. They would much prefer the general public to go to the banks here, although there are still some folks who want to block us altogether.  But we cannot have some elite guys deciding what laws to follow and what to not follow.  There is too much information getting out now to get away with that.

Tony:  We want everyone to know where we are at this moment.  Everyone was concerned that there was an active meeting to stop everyone going again, either before or after it happens, if it’s not happening in the right bank.  We are not naming particular banks, but there are some banks who don’t want to be involved with us – us generally and us in particular.  They hear people saying “I want to take my 500K out right away” or “I want to walk out with $20,000 cash”. That is not how banks operate, and I can understand that.  You’d think that if you have money in your bank, you should know that banks don’t keep that kind of money on hand.  They have to order it. There are a whole lot of people who will be like that.  One bank does have to take the public, but they can close your accounts, even if you have 200,000 in your account.  Some tier 2 banks are doing the same, but there are other banks and credit unions you can stash your money.  If you take out half your money in 15 days, they will have you take the other half out.  If this process goes out of control, there is an executive order to shut down the whole process. We have to see what they do.  If we have to do anything after it gets shut down, we won’t care because we’re not getting our money anyway!

We know they are ramping up and there are two dates by which to have their VIPs done.  Then they will try to get the bulk of us through in three days,then they can deal with the rest of the public. We could be wrong, but we get our information from a bunch of sources that had different pieces, so we got a getter, fuller picture.  But everyone is ready to go, and they are telling the banks to go faster and get this thing going. That is a good thing. The more people go through, the rates and the locations, we have all that.  They cannot say it didn’t happen!  It’s like the bank letters that say “We don’t buy or sell dinar” when people sent in their receipts!   It’s good to have all that documentation in one place because that ensures they will do the right thing. These are not stupid people;  they know the law and although they can skirt the law amongst each other, when the public sees that, they are forced to do the right thing.  It doesn’t makes sense to burn your own house down.  It’s better to see it as water under the bridge, and we can exchange and get on with our lives.  We are waiting literally any minute for the announcement to be made.

DC:  The announcement will be after the fact, as in, “Thirty minutes ago, the CBI did that” rather than “the CBI intends to do this”.

918 caller:  [Appreciation]  I finally figured out how to put my hand up!  I’m invested in dinar, dong and zim, and you have said that there will be future restrictions, such as being a qualified investor, with ten million dollars. You suggested that people could group together to do this in the future.  What if you already have the currency but they are in later baskets.  How do we find out about those baskets?  Will there be restrictions on those who have already purchased currency, or is it if I want to buy more later?

Tony:  Before, a qualified investor meant a net worth of one million dollars or more, but I understand that this has been changed to ten million dollars, supposedly to protect you from the bank and the bank from you.  The person has to have ten million dollars before certain investments are available.  Now they have three qualifications:  if you are going to the country, if you are doing a short-term investment or a long-term investment, you are allowed to buy certain quantities.  Most of us still would not quality.  If it were me, I’d get together with some friends and set up a trust so that we collectively would be qualified.  If you have already invested, that doesn’t matter – it’s for future currency revaluations.  Future opportunities would be restricted to the banks, as I understand it.  We also got some additional information on that executive order that changes the game…
Caller:  I have the various currencies.  If they come out in different baskets, where do I look to known when things have revalued?
DC:  The qualification for a sophisticated investor has been raised to ten million, so you might want or need to get together with others or create a business to do that.  Even Yahoo alerts will let you know when the rates change.  Or you can let your private banker know you have a lot of zim (for instance), and have them watch for you. They want the commissions, so they will do that for you.  It will be easy if they come out in different batches.  At this point, we believe they will bring them out in one group.  They do have some ways to prevent buying further currencies, but there still a core problem.

Caller:  Will we still have to pay the Affordable Care Tax, which is about 3%?

DC:  That is a tax, so the highest federal income tax now is 43.8% including that health care tax.  So the smart thing is to set that aside to pay your taxes. Even if you pay your taxes, and it turns out to be less, it’s smart to let that money sit in a conservative place somewhere until you get past April 2015.

423 caller:  That executive order thing scares me because there are some nuts out there.  How many does it take to shut this down?

DC: We don’t know.  There will continue to be calls and updates.  Homeland and security have this locked up and we’ll let them do their job.  We don’t know what is overwhelming and what is manageable.

Tony:  We can go over different things to do, but you have to decide what to do, yourself, what you are willing to do to get through the process.  You are definitely gambling any time after GO. Sure, I think the rate will go up, I just don’t know if you will be able to participate then. This is something that they will have available if they need it. This order only pertains to us.  Forex will still go, and the hedge funds, and the huge corporations – they still get to keep exchanging.  Everybody else won’t.  That’s another part of the strategy.

Caller:  Most of us are such novices… Most gurus say it will be an easy process. There are always nuts, but hopefully we will not be shut down because of dealing with them.

DC:  It’s designed to be for a period of time, but they cannot stop international exchanges.  But they don’t want you to go abroad because they have passed laws to inhibit citizens having big fat bank accounts they don’t know about.They don’t want to encourage people to have lots of money overseas.

Tony:  We’re not telling you this to scare you.  The meeting happened on Friday, we got the information over the weekend, it got hot and heavy this morning, so we decided to tell you guys.  That way, when you start hearing about it, you will understand. 

Caller:  I vacillate between the contract rate and NDA and only having 20 minutes… I’m nervous about signing something I don’t have time to ingest… and then I am worried that the banks would be able to make up something and take my money.

DC: The banks have to follow the rules and laws and their reputation.  They are more worried about the folks who will just blow through this, and any entitled jerks. They don’t want to deal with that. Bad customers are not worth the hassle.  IF you are a little frustrated and something needs to be fixed, that’s different.

Tony:  Homeland can freeze your accounts (with the NDA);  the banks would have to issue you a check and say they don’t want your business.

DC: That happens, and they don’t have to give you a reason.  Go find another bank that you like better.  We believe that a lot of banks are paying attention to US, and we think this group will be better clients because they are on this call learning.  They are more likely to ask intelligent questions about investments, and to take a measured approach.  If you go in and act like a moron, they will treat you like a moron.

Tony:  Over the last 10-15 days, people have been exchanged for cash money, with 10% the first day and the rest a few days later. During that process, the wealth manager offers you some options based on time and amounts, and those will change the contracts.  If you are willing to leave your money in their system, they will want to keep that business relationships going.

Caller:  Do you think there is any danger in signing the NDA?

DC:  If you are going to be a conspiracy nut, I can’t help you.  If you fundamentally believe that people are honest and not out to get you, then it will be fine so long as you keep your mouth shut.  The ones I have read are very simple and straightforward – just be quiet.  They don’t want to trip you up.  If you brag on FB that you made 50 million on dinar, then they will take your money.  Just be quiet about the exchange, and you’ll be find.

Tony:  Someone won a big lawsuit and signed an NDA.  The daughter bragged about it to her friends, and they took them back to court and reclaimed all the money.  That’s all it took.

DC:  If you have children, and kids/teenagers are basically idiots.  You need to worry about your children saying things, so have a serious talk with your kids – even your adult kids who can’t keep their mouths shut. Some will not get it!  So the smart play for people who can’t keep their mouths shut is NOT to sign the NDA.  Take the international rate and run -- $3.58 is still a fantastic rate!  If you can keep quiet, the contract rate is better.  But be realistic, know yourself, and know if you can keep a secret.  If you consistently have to tell someone something, go for the international rate and then it’s not an issue.

404 caller:  Further on the executive order, can you share what that number is so that the worry warts can read it for ourselves?

DC:  I don’t have the number, and I don’t know if it’s official or just a draft as yet. Some contacts say it’s just a draft, and “here is the plan”. 

Caller:  The banks that are not interested in dealing with the masses, will they still be listed on the call center lists?  Will that push us to the one that we know will handle us?

DC:  The bank the call center sends you to has to take your exchange.  It’s like the telephone company who has to take the phone line five miles into the country if they also want all the NY customers.

Caller:  So, PM Abadi at 11pm – is that Iraqi time?

DC:  Yes, that is 11pm Iraqi time, which is an hour or two from now. That’s a time when they do a lot of announcements.  Will they get it done by then? We’ll have to wait and see.  Those were good questions that many thousands are asking, I’m sure.

Next caller:  We have dinar and dong, and have split our holdings between a corporation sole and two trusts.  I worked with a senior executive at Chase in my state, and she says they will not be dealing with dinar/dong, and I’ve had no joy with wealth managers. 

DC:  I assume these are the more tax efficient corporation structure?  And that as many assets as possible are in the entities and NOT in your name?  Good for you.  In terms of wealth manager stuff, I would read books about initial investing, windfall investing, and that 30 for 30 movie Tony recommends.  Just prepare.  I guarantee you the wealth manager will call you when you have more zeros after your name

Tony:  Your wealth manager will find out very shortly after this is released, and she will call you.

Caller:  After keeping in touch with her for about two years, the WM was so rude, and practically slammed the door in my face.

Tony:  Call her and say you want her to recommend someone to work with.

DC:  Many senior people have not been informed and some handle this badly.

Caller:  I do have accounts in Wells now, preparing for this, and I’m working on my private foundation.  Should we move this money out of the country?

DC:  In-country is just fine.

Tony:  I’m keeping mine in the country because I know what the laws are!  I want it right here where I can keep my eyes on it!

Caller:  We want to secure the money and invest it so we can create a legacy for our family and for society.

Tony:  That’s a great idea.  Put your money somewhere your current income, in case something happens.  If nothing happens, you still have twice the income!  Do that before you do anything exotic. Ensure your money is doing that for you on an annual basis, then look for investments that operate faster or with higher returns.

Caller:  We will be qualified investors after this.  What other currencies should we look at?

Tony:  Even if we wanted to tell you, they would get mad. When we told you about dong and the zim, the rates shot up.  We wouldn’t want to do that, because it could affect the entire math and equations.

Caller:  What criteria would you suggest we look at, pre-RV?

DC:  Only a few will be this massive a rate of return as these immediate currencies.  Some countries have a lot of dinar as reserves, as in the 34 countries in the coalition;  their balance sheets will look stronger.There are a lot of different ways to play this.  I will be all over Iraq because I understand that culture, and the opportunities are amazing after the RV. They are all speculative, and don’t do it with the more conservative parts that keep your lights on, but for the friskier parts of your investment strategy.

Tony:  The whole GCR is about bringing emerging economies and countries UP, so that is where I would look. It won’t be the same as the dinar or dong, but you will have more money to buy more shares of whatever.

DC:  I will be all over the ISX, the Iraqi Stock Exchange. There will indices to play plus really good investments as well as investment funds focusing in Iraq and that area.

618 caller:  Is there any benefit for going to at tier 2 banks for exchange?

DC:  It’s going to be pretty neutral.  It’s a 2% fee everywhere and the rates are supposed to be the same, but the lines are shorter.   You will have a lot more sway because you’re a bigger fish in a smaller pond.  However, there may be restrictions on international stuff;  banks may not be in all the locations you require, either.  Just think it through.

Tony:  In a regional bank, it takes a lot less money to be a big fish.

858 caller:  About going in to exchange and all the different agencies at the exchange, will they try to trip you up with your vocabulary.

DC:  We believe everything will be straight forward, but there are a few points.  They are listening to you all the time, and if you say ‘exchange’ they will direct you one way, and if you don’t, they will direct you another way to your detriment.  When I first heard that, I thought it was BS, but I can learn, too. They have been trained to listen to‘exchange’ only.  Otherwise, it seems pretty straightforward and they have been well-trained.  Just say “I am here to exchange X number dinars” and let the process take you through.

314 caller:  On Friday I was the ‘give us something’ guy, and I’d like some follow up if possible.   We need about 200 people to exchange for us in 50 locations, and we can get 40,000 per day.  Just give us a couple weeks to go in and do the buy + sell agreements to exchange at the international rates. [more of the same].  This is the fourth weekend in a row that you thought sure we go through over the weekend.  There are four factions:  1) doesn’t want us to do it at all, 2) in 2015, 3) do it slowly, and 4) do it now.  You are the two with the resources to ask for us to go through and then we can go through.  That’s it.

Tony: we have heard everything you said on Frida and again today. We have done everything we can, we were told it was going these last weekends, we were told to be on standbynot to be more than two hours from home in case we need to do a call. We’ve gone through it all even this morning.  We HAVE the information, we know who is  We heard everything you said on Friday and again today.  We have done everything we can, we were told it was going these last weekends, we were told to be on standby, not to be more than two going through, what lists they were selected from, and all the rest. We know the rates, that there were five cities where exchanges were happening , and nobody will get away with anything.   They know we know!  At this point, we have to ask if they are going to do the right thing, and they say they will, that they are gearing people up, training them, and people we know have gone in to exchange. We have asked those who have helped us in the past if there is anything we should do, and we’ve been told “let us do our job.” We have the timeframe that this is supposed to go and if that doesn’t happen, we absolutely have a plan as what to do.

DC: They only just started exchanging people in masse again, starting on the 31st.  What I’ve been trying to do since then is to help get Dinarland through the process, too.  It’s been unsuccessful so far.  We have talked to banks and bankers trying to get the internet group through and they have refusedsome through being vindictive and some through not getting it.  They have ASKED if X would work or Y would work, but those plans would not be well received. We are trying to help both sides, be the mediators and keep people calmed down after some inflammatory stuff provided by some world-class people. We help to calm it down and provide a better explanation where we can.  We continually try to talk to these folks to get some Dinarland folks through, that it would make things easier for all of us.  If I knew I had an appointment in two weeks, I would grumble, but it would get people through the chute more easily.  I keep pushing for people to be able to exchange and get through, and most of the US guys take it back to their meetings and they get told to relax, that Dinarland will be taken care of.

Tony:  The information we got was correct, we just needed more information, other parts, to help us understand why they getting ready, with other parts in place in case of X or Y. We do take the information seriously!

772 caller:  with the Pipeline and immigration, are we headed for gridlock again?

DC:  Politically, yes.  In terms of the RV, that is not a factor.

Caller:  It’s a bitter pill when ordinary folks are tossed out on the street when the elite continue to thrive.  I’m concerned that some crazy people will mess this up, but they will be Handled. [Appreciation]

Tony:  There will always be idiots, and that is one of the factors you have to look at.  I don’t know how many out of the five million who don’t listen to us will run to the bank and demand their 25k dinar note to be exchanged.  All we can do is to have our strategy worked out and develop the relationship with the wealth managers so it doesn’t affect us. As for the politics, you’ve always had the power;  we just don’t have the guts to use it.  That original 100 were concerned for the country they were building;  many of the current politicians are going through Congress with different values.  I watched a movie the other day where the millionaire doesn’t even know how much a gallon of milk costs.  They don’t live in their world, not in the real world.  You guys will have the power and the money, which I will not be able to do.  DC and I cannot even donate to a political party.  There are people on this call who think alike, you know more about your government than you did a year ago, and you have the power to make change.  Only 30-40% of the citizens here even voted, so if you didn’t vote, don’t complain to me.  I know I got on my soapbox, but I am passionate about voting.

410 caller:  I am not going to give my energy to those other concerns.  I am going to put on nice clothes, be pleasant, and help the staff feel like they are they are doing a good job.

DC:  That’s right!  Be respectful of these people who are probably made that they have been told this is a scam, so they didn’t take up the opportunity.  If we are respectful of the situation, if will be respectful of us

Caller:  I guess we are just going to see the 800 numbers come up?  Or will you have more to talk about?

Tony:  We hope to talk about procedures and process, to make this smoother.  If they let people go through in chaos, then that’s what they will get.

785 caller:  Is this really going to happen?  It feels like one road block after another…

Tony:   They tried to do this again this weekend!  The US tried to stop it and all the other countries said“No, enough!” There are other plans if it doesn’t go very soon.

DC:  All the exchanges that have already gone on obligates them morally and legally to exchange everyone else. They cannot just pay out their friends and families; there are laws and rules for them to follow.  If they don’t release this, some of those people will go to reporters with documentation.  Some things have gone wrong, for sure, but there is a lot of pressure and I think this will get done quickly.

Caller:  Do you know for sure they are deducting three zeros from the dinar?

Tony:  They are deducting those three zeros from notes IN IRAQ. They are not doing that over here;  we are doing the exchange based on what that note is. 

DC:  Hope we helped a few folks today! Iraq is ready and fully prepared, waiting for the CBI and Abadi, even got more confirmations during this call that people are antsy.  In the US, we are prepared and ready to go through.  We are very thankful for those who gave us information over the weekend. Exchanges are being ramped up, and that means we are closer.  I have been trying to get on those lists since the 31st, but we have to believe it will get through and get done.  We are very close.  I hope, beg and plead that you all have a plan including putting money aside for your taxes and then having your money make money.

Pam:  For those listening and getting excited or ticked off, please listen to this call again.  If you are getting ticked off, you either didn’t hear it correctly, or you’re the ones they are worried about. We’ve already been dealing with you in the chat room.

Ray:  I’m excited – continue to enjoy Magnificent Monday. 

Tony: If it’s already like that on the boards, you guys are not understanding.  We are trying to be transparent as possible.  There are people who don’t want you to exchange, but that hasn’t changedThere are banks who don’t want you as customers if you are just going to run through your money.  However, there is a central bank that has to take everyone even if they ask you to leave in 30 days.  So leave! You will still have the opportunity to exchange.  We just want to explain in advance what you will hear later in the day anyway.  The US did ask for more timeand they got a very small one. Abadi should make an announcement imminently.  The UN says that Iraq is out of Chapter VII, and they can make the call whenever they choose.Those blocking might be able to do some side deal or agreement,but Iraq has the freedom to do this whenever they choose to.  Even if this just happens in-country (in Iraq) and here in the US, if there is chaos they have put something in place to protect the process.If we don’t treat the people with respect, they have something in place to stop this. Hopefully we will all get through by that time.  That’s what we wanted you to know.  All we talked about was another piece of the pie, the same as you put in place if you needed to protect your own business.  There is nothing for anyone to be upset about – we are still there. They are in lockdown right nowchanging the schedules and bringing people in.  I’m happy.  I’m still waiting for the 800 numbers, but I’m happy about where we are right now.  We’re in a good position. 

Enjoy the rest of your day. I hope to call you back later today or before Wednesday.
Publicado por Dinaresgurus.blogspot.comFORO DINAR GURUS en 12:26 PM No comments

2 comments:

Anonymous said...

AAAARRRRRGGGGGGGGGGGGGG!!!!!! Always something. A bank is a bank is a bank. Jeez.

Anonymous said...

From someone who knows....there are .....NO.......ENFORCEABLE LAWS.....BASIL 3 IS A JOKE AND HAS ENOUGH HOLE IN IT FOR THE GANGSTERS TO HAVE A FIELD DAY.... THE BASTARDS EVEN MADE A LAW SAYING IT IS LEGAL FOR THEM TO STEAL OUR MONEY.... REALLY? EXCHANGE THEN GET A CASHIERS CHECK FOR 98% OF YOUR DOUGH.....TAKE IT TO A COMMUNITY CREDIT UNION AND NORTHERN TRUST BANK.... NORTHERN TRUST WILL KEEP YOUR MONEY SAFE AND WILL INSURE IT FOR 50M OR MORE....OUT OF THE GATE.....