LAKSHMI EMPIRE LTD (LE-GACY)

LEGAL INFORMATION AND DISCLAIMER

The purpose of this information is to specify legal grounds of our work and to clarify limits of our responsibility. This document applies to Lakshmi Empire Ltd and all our products and services offered.


What is Lakshmi Empire Ltd?

We primary are Consultants (from Top Global Fortune Companies), Agents and Introducing Brokers (IB) partnered with FCA Regulated Companies based in London, England, United Kingdom. We provide the possibility of Third-Party Trading Platforms products and services for corporate, institutional, sophisticated investor or high net worth client only (Private Members). We do not provide products and services for retail customers. Please be advised that we provide financial educational services only on behalf of our companies that have relevant license for provision of financial services.


Lakshmi Empire Ltd (LE-GACY)  is a Software Technology Company, utilising Data Intelligence and Strategies and Settings of Automated Robots for Trading & Other Lifestyle Systems. 


We provide education and trusted turnkey solution designed for HNW's, Family Offices and Institutional clients seeking exposure to this emerging asset class.


Lakshmi Empire Ltd is a registered and legal entity in England and Wales (number 09930471). The registered address is 20-22 Wenlock Road, London, England, N1 7GU, United Kingdom. Telephone Number: 0800 7723378.


Trading currencies and other investment products is trading in nature and always involves a considerable risk. As a result of various financial fluctuations, you may not only significantly increase your capital, but also lose it completely. 

We Consult for Educational & Experience Purposes as a Testing Program for Development of New Bots, to Private Members only. Once an accepted member, you may Donate for one of these packs. We don’t offer directly any trading, financial or money management services. This only through third parties. We primary provide Research, Development & Testing of Software Strategies & Settings of Trading Bots Development for Educational Purposes.  


Private Members should be fully aware of the high risk of Low, Medium & High frequency trading with Robotic Software before joining anything and they are self-responsible for all International and local compliance & regulations.  

As a Software Education Company we solely offer a platform whereby possible Non-Protected IP, Experience and knowledge can be shared if we feel we want to.  


BOT Trading Software test or live results shown for educational purposes only, don't guarantee any profits for the future.  


All Software Education are based on research and past performance of Bot Trading Tests in development.  

We are not responsible for any results nor in past, present or future.  


We offer R&D Educational Experience with Possible conditional Free licenses, IP revenue share rights or Bot Trading Hardware & Our IP License Holders are fully aware of the high risk of Low, Medium & High Frequency trading With a Bot & responsible for all Compliance & Regulations.


Any Possible External Supplier of the Hardware & Software is fully responsible for all that has to do with Hardware & Software.


Settings & Strategies may have to change & update from time to time, and can take up time, whereby the software will be inactive for an undefined period.  


We as supplier are not responsible for any cost or investments.  


All Consulting Fees are given for Research, Development & Testing Experience and may be used as and when we want too. The Private Member agrees to carry all risks for all of the above.  


The Private Member is fully aware of the English speaking & writing Language, inclusive all understandings & meanings.

Including the spirit & intention of all offers & agreements made by us or third parties that we work with.  


The Private Member is fully responsible for all legal & tax implications in his own country of domicile & residence, business as well as private.  


The Private Member has to comply with all AML4 & KYC compliance, including all financial regulations.  


The Private Member knows that Forex trading of any kind, even with a Trading BOT carry's a big risk of losing money, and therefore will test everything at his full own risk.  


Lakshmi Empire Ltd does it’s best effort for Software Development, Setting Research & Education for Forex Trading, without any promise or projection.  


We never accept capital or any form of Investment. We only accept donations or Member/clients for the purpose of R&D of Forex Robots, meanwhile offering them a share of knowledge and experience in our Research and Development. A Member has always been introduced to us my someone, as we never prospect publicly. 


Lakshmi Empire Ltd The author and publisher of this online site and documentation and accompanying materials, are all for educational purposes only, and have been used in their best efforts in preparing the material. The author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness or completeness of the content of this program. They disclaim all warranties (expressed or implied), merchantability or fitness for any particular purpose. The author or publisher shall be in no event held liable for any possible losses or other damages. As always, the advice of a competent legal, tax, accounting or other professional should be sought. The author and publisher do not warrant the performance, effectiveness or applicability of any information shared. All the past and following, as well as any other information are for information purposes only and are not warranted for content accuracy or any other implied or explicit purpose. The following and all next information after or any shared links contains material protected under international copyright Laws and Treaties. Any unauthorised reproduction or sharing in any shape or form or use of this content material is prohibited. 


If you want to buy any product or receive any service from us, there is a separate agreement specifying terms and conditions of our relationships, especially from our third-party suppliers.


The information we provided is education only. It does not constitute investment advice, financial advice, trading advice, or any other sort of advice, and you should not treat any of our content as such. We do not recommend that any cryptocurrency should be bought, sold, or held by you. Do conduct your own due diligence and consult your financial advisory before making any investment decision. We are not responsible for the investment decisions you make based on the information provided. We do not raise funds at interest and do not recommend you to-participate in any cryptocurrency or forex trading.


We don’t propose to buy a cryptocurrency, fiat currency, or any CFD contract, any kind of securities, options, and provide an offer to buy, sell or hold a cryptocurrency or any other financial instrument.


As an Agent and IB, links to external sites and co-branded pages or promote websites or services from other companies or offer you the ability to download software or content from other companies in order to provide you with access to information and services which you may find useful or interesting. We do not endorse such sites nor approve any content, information, legal or illegal emails (whether spam emails or not), goods or services provided by them. We are not responsible for and does not control those websites, services, emails, content and software and cannot accept any responsibility or liability for any loss or damage suffered by you as a result of your use of its website and services or of such external and/or co-branded sites.


We are unable to exercise control over the security or content of information passing over the network, and we hereby exclude all liability of any kind for the transmission or reception of infringing or unlawful information of whatever nature.


We accept no liability for loss or damage suffered by you as a result of accessing the website and/or its services which contains any virus, or which has been maliciously corrupted.


Important Information for Institutional Investor

I Declare That I Am A Self Certified Sophisticated Investor and I am sufficiently knowledgeable to understand the risks associated with participating in unregulated collective investment schemes. 


I am a self-certified sophisticated investor because at least one of the following applies—

(a) I am a member of a network or syndicate of business angels and have been so for at least the last six months prior to the date below;

(b) I have made more than one investment in an unlisted company in the two years prior to the date below;

(c) I am working, or have worked in the two years prior to the date below, in a professional capacity in the private equity sector, or in the provision of finance for small and medium enterprises;

(d) I am currently or have been in the two years prior to the date below, a director of a company with an annual turnover of at least £l million. 


I make this statement so that I am able to receive promotions which are exempt from the restriction on the promotion of unregulated schemes in the Financial Services and Markets Act 2000. The exemption relates to certified sophisticated investors and I declare that I qualify as such. I accept that the schemes to which the promotions will relate are not authorised or recognised for the purpose of that Act. I am aware that it is open to me to seek advice from an authorised person who specialises in advising on this kind of investment.


I accept that I can lose my property and other assets from making decisions based on financial promotions.

I understand that I will receive financial promotions that may not have been approved by a person authorised by the Financial Services Authority and that the content of such financial promotions may not conform to rules issued by the Financial Services Authority.


I also understand I may lose significant rights including the right to seek compensation from the Financial Services Compensation Scheme or complain to either the Financial Services Authority or the Financial Ombudsman Scheme.

OR I Declare That I Am Certified High Net Worth Individual because at least one of the following applies— 

(a) I had, during the financial year immediately preceding the date below, an annual income to the value of £100,000 or more;

(b) I held, throughout the financial year immediately preceding the date below, net assets to the value of £250,000 or more. Net assets for these purposes do not include —

(i) the property which is my primary residence, or any loan secured on that residence;

(ii) any rights of mine under a qualifying contract of insurance within the meaning of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001; or

(iii) any benefits (in the form of pensions or otherwise) which are payable on the termination of my service or on my death or retirement and to which I am (or my dependents are), or may be, entitled.


I accept that I can lose my property and other assets from making decisions based on financial promotions.

I understand that I will receive financial promotions that may not have been approved by a person authorised by the Financial Services Authority and that the content of such financial promotions may not conform to rules issued by the Financial Services Authority.


I also understand that I may lose significant rights including the right to seek compensation from the Financial Services Compensation Scheme or complain to either the Financial Services Authority or the Financial Ombudsman Scheme.

OR I Declare That I Am A Certified Sophisticated Investor.


I am sufficiently knowledgeable to understand the risks associated with investments in shares or stock in the share capital of anybody corporate wherever incorporated or any other investment as described in the Financial Promotions Order 2005.


I fully understand and agree to the following statement:

"I make this statement so that I am able to receive promotions which are exempt from the restrictions on financial promotion in the Financial Services and Markets Act 2000. The exemption relates to certified sophisticated investors and I declare that I qualify as such in relation to investments of the following kind [listed below]. I accept that the contents of promotions and other material that I receive may not have been approved by an authorised person and that their content may not therefore be subject to controls which would apply if the promotion were made or approved by an authorised person. I am aware that it is open to me to seek advice from someone who specialises in advising on this kind of investment".


Investment kinds:

(a) Shares or stock in the share capital of anybody corporate wherever incorporated

(b) Any unincorporated body constituted under the law of a country or territory outside the United Kingdom

I accept that I can lose my property and other assets from making investment decisions based on financial promotions.


AML/KYC Policy

Introduction

Lakshmi Empire Ltd has put in place an Anti-Money Laundering / Counter-Terrorist Financing Policy and a Know Your Customer Policy (collectively, the “AML Policies”). The Policies are revisited periodically and amended from time to time based on prevailing industry standards and international regulations designed to facilitate the prevention of illicit activity including money laundering and terrorist financing. All senior management and employees of Lakshmi Empire Ltd are required to acknowledge and be familiar with the Policies.


This site covers AML Policies regarding Lakshmi Empire Ltd ’s broker (non-exchange) services, which is Lakshmi Empire Ltd ’s main business activity.


Money Laundering Risks

Money laundering is generally defined as engaging in acts designed to conceal or disguise the true origins of criminally derived proceeds so that the proceeds appear to have derived from legitimate origins or constitute legitimate assets. Terrorist financing is an attempt to conceal either the origin of the funds or their intended use, which could be for criminal purposes.


The risk of money laundering or terrorist financing on Lakshmi Empire Ltd is extremely low. Lakshmi Empire Ltd does not engage in any exchange transactions between currencies, whether in crypto or fiat. Clients can only deposit cryptocurrency (BTC) and withdraw the same cryptocurrency (BTC), with no exchange activity happening in between. Lakshmi Empire Ltd uses third party crypto transaction monitoring and source of funds software to track and tag funds deposited into its platform, making it extremely unattractive for potential bad actors attempting to move illicit funds.


All Client funds remain in “virtual” currencies and are never converted to any other currencies. Lakshmi Empire Ltd requires KYC identification documents from all Clients before any transaction is made as an extra measure of risk reduction and compliance.


AML/KYC Policies Framework

The Policies are designed to lay down a framework to:

prevent Lakshmi Empire Ltd from being used, intentionally or unintentionally, by criminal elements for money laundering or financing terrorist activities;

enable Lakshmi Empire Ltd to know and understand its customers, clientele, contributors, and other contacts with which Lakshmi Empire Ltd has any financial dealings with (collectively, “Clients”) and their financial background and source of funds better, which in turn would help it to manage its risks prudently;

put in place appropriate controls for detection and reporting of suspicious activities in accordance with applicable laws, procedures and regulatory guidelines; and equip employees and contractors of Lakshmi Empire Ltd with the necessary training and measures to deal with matters concerning KYC/AML procedures and reporting obligations.


Our Policies will be reviewed and updated on a regular basis to ensure appropriate procedures and internal controls are in place to account for both changes in regulations and changes in our business.


Risk-Based Approach

Lakshmi Empire Ltd adopts and maintains a Risk-Based Approach (“RBA”) towards assessing and containing the money laundering and terrorist financing risks arising from any transactions it has with Clients. The guidelines are as follows:


Before entering into any transaction or proposed transaction, necessary checks shall be conducted in line with the RBA so as to ensure that the identity of the Clients does not match with any person with known criminal background or with banned entities such as individual terrorists or terrorist organizations;

For the purpose of risk categorization of the Clients, the relevant information shall be obtained from the Clients at or before the time of entering into a transaction;


The risk categorization process for different types of Clients may take into account the background of the Clients, country of origin, sources of funds, volume of turnover or deposits, as well as social and financial background;

The outcome of the risk categorization process shall be decided based on the relevant information provided by the Clients at the time of commencement of business relationship;


Enhanced due diligence would be required for higher-risk Clients, especially those for whom the sources of funds are not clear, or for transactions of higher value and frequency, which shall be determined by Lakshmi Empire Ltd at its sole and absolute discretion; and


Lakshmi Empire Ltd must be able to satisfy the competent authorities that due diligence was observed based on the risk profile of the Lakshmi Empire Ltd in compliance with the relevant legislations in place.


KYC

Account verification is of primary importance for countering fraud, theft, money laundering, and financing of illegal transactions. KYC is a set of identification operations for verifying personal accounts to enable investors to trade and use the exceptional opportunities Lakshmi Empire Ltd provides.


There are several steps for account verification:

High Net Worth, Sophisticated Investor or Established Sole Trader Accounts


There are 4 steps for customers to verify their accounts.


For Step 1, customers are required to fill in the following information:

First Name, Last Name,

E-mail,

Phone number,

Username,

Password.


To complete the Step 2, the customers should have completed the Step 1. For Step 2, the customers are required to submit the following information:

Passport/National ID scan,

Country of living,

Citizenship,

Address (both registered and physical, with a proof of residency document)


To complete the Step 3, the customers should have completed the Steps 1 and 2. For Step 3, the customers are required to submit the following information:

Any mean of video call (e.g. Skype username, WhatsApp/Telegram account numbers).

Customers will be contacted and checked via video calls to be verified.


To complete the Step 4, the customers should have completed the Steps 1, 2 and 3.


To be verified for Step 4, customers have 2 options:

Physically come to Head Office (we will indicate the convenient office address for you based on your location),

Sign on the back of a passport sized photo, attach with the Passport/National ID copies, and send to Head Office via post offices.

Note: Proof of residence can be considered:

Certificate from the bank, where postal code is detailed,

Any bills or any certificate of a public entry or company which detail the address.


Corporate Accounts

To register for corporate accounts, customers can:

Upgrade their personal accounts from Step (Tier) 4 to corporate account,


Create a new Corporate Account

For this step, customers need to be in the Step (Tier) 4, after which they can upgrade their accounts. If the company is already registered, and the personal account wants to join the corporate account, the following information is required:

Job title in the company,

Agreement from CEO/Board Members to upgrade account,

A selfie with the agreement attached to the application,

Means of video call (e.g. Skype username, WhatsApp/Telegram account numbers)

For creating a new Corporate Account, the following information is required:

Full Name of the Company (as registered by the Government),

Certificate of Incorporation and Business registration,

Agreement provided by Board Members to open an account,

Company’s address (address line, post code, state, city, country)

Company’s e-mail address

Company’s phone number (at least 2 numbers)

Statement from Bank (from which the first transactions will occur),

Notice about Significant Control Person (SCP) (Significant Control Person can be CEO or any other person authorised by CEO)

If SCP is the CEO of the company, an agreement signed by Board Members is required

IF SCP is another person authorised by CEO, authorization and an agreement signed by Board Members is required

Information about Significant Control Person, including:

Full Name of SCP,

Country of living,

Citizenship,

Address (registered and physical addresses with a proof of residency document)

e-mail address,

phone number,

Passport/ National ID scan,

Agreement from Board Member (authorisation if SCP is not the CEO),

A selfie with the Agreement (and authorisation, if SCP is not the CEO).

Create username and password,

If more than one corporate account is needed:

Mention the number of accounts needed,

Indicate the names of the beneficiaries,

The roles/job titles in the company,

The purpose of use,

An agreement from CEO/Board Members to have an additional account.

Means of video call (e.g. Skype username, WhatsApp/Telegram account numbers) to verify identification

A signature on the back of a passport sized photo, attached with the Passport/National ID copy from Significant Control Person, sent to Head Office via post offices.

Attention: Miss the last two points, if the Significant Control Person can physically come to

Head Office.

A minimum deposit USD 250 or equivalent is required for using Corporate Accounts. The limitations are removed from Personal Accounts if they upgrade to Corporate Accounts.

Note: Proof of residence can be considered:

Certificate from the bank, where postal code is detailed,

Any bills or any certificate of a public entry or company which detail the address.


Customer Identification

The Customer Identification Program is to be carried out:

before any financial transaction can be made; and

when there is any doubt about the authenticity, veracity, or adequacy of the previously obtained Clients’ identification data.


Lakshmi Empire Ltd requires Clients to provide proof of identification and proof of residence; and

does not under any circumstances permit any transaction to be made with incomplete identity and residence verification information.


When there shall be any suspicion of money laundering or terrorism financing activities, or where there shall be any doubt about the adequacy or veracity of previously obtained Clients’ identification data, the due diligence measures shall be reviewed, including verifying the identity of the Client again and obtaining information regarding the purpose and intended nature of the relationship with Lakshmi Empire Ltd.


Lakshmi Empire Ltd does not serve clients from certain regions that are deemed high-risk or unwelcoming from a legal or regulatory perspective, including Cuba, Iran, North Korea, Syria, and the United States of America.


Sanctions

Lakshmi Empire Ltd does not open accounts or transact with individuals that are on prescribed sanctions lists. Lakshmi Empire Ltd screens against United Nations, European

Union, UK Treasury, US Office of Foreign Assets Control (OFAC), and other sanctions lists in all jurisdictions in which Lakshmi Empire Ltd operates.


Politically Exposed Persons

Lakshmi Empire Ltd does not open accounts or transact with individuals who are Politically Exposed Persons (PEPs), or their family members. Lakshmi Empire Ltd screens all Clients against global PEP lists before they are allowed to establish a relationship with Lakshmi Empire Ltd.


Required Information

All submitted client information is manually reviewed. For clients who cannot be verified through automated means (geolocation, algorithmic face detection, sanctions list check), enhanced due diligence is requested as described below:

Government-issued ID

Verification of identity is required by obtaining a high-resolution, non-expired copy of the Client’s government-issued ID (passport, national identity card, or a driver’s license). The submitted imaged requirements include:

Full colour image. Black and white, watermarked, etc. are not accept Legible. All information on the ID must be completely clear and readable. Lakshmi Empire Ltd does not accept IDs that are torn or worn out; and

Background. The edges of the ID document must be clearly visible on a contrasting background.

Proof of residence 

Verification of residence is required by obtaining a copy of an acceptable address proof document issued in the 3 months prior to establishing an account. The document must carry the Client’s name and address.

A valid proof of residence document can be:

bank statement;

debit or credit card statement;

utility bill (water, electricity, gas, internet, phone);

payroll statement or official salary document from employer;

insurance statement;

tax document; or

residence certificate.

Proof of residence documents must contain the Client’s name, address, and be dated less than 3 months ago.


Unique photo of Client

Further verification is requested from Clients by submitting a unique photo of themselves holding their government-issued ID as well as a unique handwritten note. In the photo, the Client must be visibly smiling. This allows Lakshmi Empire Ltd to easily prove that the Client’s picture was not stolen or photoshopped, and is being used exclusively for Lakshmi Empire Ltd.

The ID the Client holds in their hand:

must be the same government-issued ID the Client submitted previously; and

must be fully clear and readable.

The note the Client holds in their hand:

must be handwritten (not typed);

must be in English;

must contain today's date;

must contain the sentence: For trading at wcex.com only; and

must contain the Client’s signature.


Verification

Based on the risk, and to the extent reasonable and practicable, we ensure that we have a reasonable belief that we know the true identity of our customers by using risk- based procedures to verify and document the accuracy of the information we get about Clients. Our AML Compliance Officer analyses the information we obtain to determine whether the information is sufficient to form a reasonable belief that we know the true identity of the customer.

We may decide to use the following non-documentary methods of verifying identity:

Independently verifying the customer’s identity through the comparison of information provided by the customer with information obtained from a consumer reporting agency, public database or other source;

Checking references with other financial institutions;

Analysing whether there is logical consistency between the identifying information provided, such as the Clients’ name, street address, postal code, and date of birth;

Utilising complex device identification (such as “digital fingerprints” or IP geo- location checks); and

Obtaining an-authorised or certified true copy of an individual’s birth certificate or government-issued ID for valid identification.


Internal controls

Lakshmi Empire Ltd implements and maintains internal controls for the purpose of ensuring that all of its operations comply with AML legal requirements and that all required reports are made on a timely basis.


Compliance Officer

The Compliance Officer is the person (In this case the Director of the Company), duly authorised by Lakshmi Empire Ltd, whose duty is to ensure the effective implementation and enforcement of the AML/KYC Policy. It is the Compliance Officer’s responsibility to supervise all aspects of Lakshmi Empire Ltd’s anti-money laundering and counter-terrorist financing, including but not limited to:

Collecting Clients’ identification information;

Establishing and updating internal policies and procedures for the completion, review, submission and retention of all reports and records required under the applicable laws and regulations;

Monitoring transactions and investigating any significant deviations from normal activity;

Implementing a records management system for appropriate storage and retrieval of documents, files, forms and logs;

Updating risk assessment regularly;

Providing law enforcement with information as required under the applicable laws and regulations.


The Compliance Officer is entitled to interact with law enforcement, which are involved in prevention of money laundering, terrorist financing, and other illegal activity.



Monitoring and Reporting

Lakshmi Empire Ltd diligently monitors transactions for suspicious activity. Transactions that are unusual are carefully reviewed to determine if it appears that they make no apparent sense or appear to be for an unlawful purpose. When such suspicious activity is detected, the Compliance Officer will determine whether a filing with any law enforcement authority is necessary.

Suspicious activity can include more than just suspected money laundering attempts. Activity may be suspicious, and Lakshmi Empire Ltd may wish to make a filing with a law enforcement authority, even if no money is lost as a result of the transaction.


The Compliance Officer initially makes the decision of whether a transaction is potentially suspicious. Once the Compliance Officer has finished his review of the transaction details, he makes the decision as to whether the transaction meets the definition of suspicious transaction or activity and whether any filings with law enforcement authorities should be made.


For the purpose of the Policies, a “Suspicious Transaction” means a transaction or attempted transaction, which to a person acting in good faith, gives rise to a reasonable ground of suspicion that it may involve proceeds of criminal or other illicit activity, regardless of the value involved;

appears to be made in circumstances of unusual or unjustified complexity;

appears to have no economic rationale or bona fide purpose; and gives rise to a reasonable ground of suspicion that it may involve financing of the activities relating to terrorism.


Ongoing monitoring is an essential element of effective implementation. Lakshmi Empire Ltd diligently monitors transactions for Suspicious Transactions and other suspicious activity.


Record-keeping

Our AML Compliance Officier is responsible for ensuring that AML records are maintained properly. We document our verification, including all identifying information provided by a Client, the methods used and results of verification, and the resolution of any discrepancies identified in the verification process. We keep records containing a description of any document that we relied on to verify a Client’s identity, noting the type of document, any identification number contained in the document, the place of issuance, and if any, the date of issuance and expiration date. With respect to non-documentary verification, we retain documents that describe the methods and the results of any measures we took to verify the identity of a Client.


We also keep records containing a description of the resolution of each substantive discrepancy discovered when verifying the identifying information obtained. We retain records of all identification information for seven years after the account has been closed, or as long as reasonably necessary to comply with applicable regulations; we retain records made about verification of the customer's identity for seven years after the record is made, or as long as reasonably necessary to comply with applicable regulations.


Training

All new employees receive anti-money laundering training as part of the mandatory new-hire training program. All applicable employees are also required to complete AML and KYC training annually. Participation in additional targeted training programs is required for all employees with day-to-day AML and KYC responsibilities.

Our training includes, at a minimum: (1) how to identify red flags and signs of money laundering that arise during the course of the employees’ duties; (2) what to do once the risk is identified (including how, when and to whom to escalate unusual customer activity or other red flags (3) what employees' roles are in Lakshmi Empire Ltd’s compliance efforts and how to perform them; (4) Lakshmi Empire Ltd’s record retention policy; and (5) the disciplinary consequences (including civil and criminal penalties) for non-compliance.

Our operations are regularly reviewed to check whether certain employees require specialised additional training. Written procedures are updated to reflect any such changes.


Source of Funds and Source of Wealth

The below information is included to assist you in completing “Source of Funds and Source of Wealth”.

“Source of Funds” describes where the funds you currently hold, for example, earnings from your

employment or funds derived from your business activities.

“Source of Wealth” is distinct from Source of Funds and describes the activities that have generated

your total net worth – including funds and other assets not held with us.

Please note that if you do not provide supporting documentary evidence, in relation to your Source of Funds and Source of Wealth, we may ask you to provide it at a later date.

Examples of suitable documents are suggested below. Please note that we require either original documents or certified copies.

Examples of supporting documentary evidence in relation to your Source of Funds and Source of Wealth

Employment

·  Copy of recent pay slips

·  Employer confirmation of income e.g. HR letter

·  If self-employed – copy of recent accounts

·  Bank statements (within three months) that include salary payment deposits from your named employer Business Ownership

·  Certificate of ownership (exempt if provided) Audited Financial Statements

For existing businesses – the last three months of bank statements for the business account

(exempt if provided)

Official business entity documentation where ownership is noted, along with ownership by any other individuals (exempt if provided)

Recent dividend statements

Rental Income and/or Sale of Property

Copy of the mortgage statement

Copy of the valuation of the property (only when combined with proof of the sale of the

property)

Signed letter from lawyer/attorney

Signed letter from real estate agent (if applicable)

Copy of confirmation of sale e.g. from a lawyer or solicitor

Copy of the solicitor’s statement of completion

Inheritance

Grant of probate (with a copy of the will)

Copy of will

Lawyer/attorney’s letter

Account statements and other documentation identifying the assets inherited

Pension, Retirement Income

Bank statements (most recent three months) showing deposits from named employer/pension fund/Social Security

Annual pension statement

Pension pay slips


Gifts

Evidence of withdrawal from another bank account

Account statements and the documentation identifying the gift and the identity of the

donor Letter from an accountant/lawyer confirming the details of the gift.


This Disclaimer is Digitally Approved by The 100% Shareholder, Owner and Director of Lakshmi Empire Ltd, Dated: 30  July 2019.

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