📩 FOLLOW-UP NOTICE – ACCOUNT TIERS & REQUIRED MINIMUM DEPOSITS

US CAPITAL PRIVATE BANK — WEALTH MANAGEMENT DIVISION
Divine Law Trust Jurisdiction

Dear Valued Client,

Thank you for your continued interest in establishing your banking and wealth management relationship with US Capital Private Bank. This is a follow-up to our earlier notice regarding account activation and deposit requirements.

To ensure all clients receive the appropriate level of service, credit access, and asset protection, our account structure is now formally tiered based on your initial and average deposit balances.

Below is the simplified overview.

🏦 Wealth Management Account Tiers

(Deposit Amount Determines Credit Line Eligibility, SBLC/BG/MTN Issuance Capacity, and Risk Rating)

Tier 1 – Standard Operating Account

Deposit Requirement: Flexible
Used for:

• Simple deposits

• Debit card use (non-leased funds only)

• Basic banking services

Tier 2 – Trading / Wealth Management Non-Blocked Funds Account

Minimum Deposit: €1,000,000 (cash or asset-backed value)
Includes:

• Full trading capabilities

• Ability to use deposited funds as collateral

• Qualification for institutional-level verification (POF/VOD/BBFL)

• Eligibility for credit line assignment based on average balance

Tier 3 – Trading / Blocked Funds Collateral Account

Minimum Transfer Value: €1,000,000 equivalent
(May be accessed through our internal collateral transfer program using the fee schedule provided below.)

Includes:

• Full issuance rights for SBLC, BG, MTN, LC, Bank Drafts, and SKR

• Highest credit line leverage

• Globally accepted institutional verification

• Published confirmation for transparency

• Non-depletion protection (funds cannot be spent, only used as collateral)

📈 Maximum benefit is achieved when the client elects to capitalize the account using blocked funds rather than cash deposits, as explained below.

💰 Maximizing Your Deposit — Why Depositing More Increases Value

Your credit line, trading capacity, and instrument issuance limits are directly determined by:
(1) Your initial deposit amount, and
(2) Your average daily balance.

The more you deposit, the greater your financial leverage and monetization ability.

Clients who place €1M–€5M+ typically qualify for:

• Higher credit lines

• Lower risk profiles

• Faster approvals

• Access to larger financial instruments and project funding

• Priority relationship management

Clients depositing €10M–€100M+ gain:

• Maximum leverage ratios

• Preferred credit status

• Senior executive oversight

• Priority treasury service

• 🧮 Example Calculation

  If we transfer $150 million into your blocked funds account, the transfer fee applies at the rate for the $100 million to $300 million tier, 0.040%.

  Calculation:
  $150,000,000 × 0.040% = $60,000

  This means that a $150 million transfer into the blocked funds account incurs a $60,000 fee.

  If we transfer $3.6 million into your blocked funds account, the transfer fee applies at the tier 0.042% rate for under $100 million.

  Calculation:
  $3,600,000 × 0.042% = $1,512.00

  If we transfer $2.4 million into your blocked funds account, the transfer fee applies at the rate for transfers under $100 million, 0.042%.

  Calculation:
  $2,400,000 × 0.042% = $1,008.00

  This means that a $150 million transfer into the blocked funds account incurs a $60,000 fee.

  Full access to the Bank’s Structured Wealth Programs

🔐 Why Blocked Funds Are Superior to Cash Deposits

Clients may meet the €1M minimum using either:
✔ Actual funds they wire in, or
✔ Blocked Funds transferred into their account via our internal collateral transfer program.

Benefits of Blocked Funds vs. Cash Deposit

Blocked funds unlock the highest credit lines and global acceptance while costing only a small transfer fee based on the tier structure.

⚙️ Blocked Funds Transfer Fee Schedule

(Applied only when the client chooses to maximize their account using internal collateral)

• Under €5M → 0.050%

• €5M–€100M → 0.042%

• €100M–€300M → 0.040%

• €301M–€500M → 0.037%

• €501M–€5B → 0.036%

• €5.1B–€100B → 0.033%

• €100B–€1T → 0.022%

This enables clients to meet or exceed the €1M minimum without tying up liquidity.

🧮 Example: Maximizing Deposit Value with Blocked Funds

€150,000,000 Blocked Funds Transfer
Rate: 0.040%
Fee: €60,000
Result:
You now hold €150M in collateral on your account without spending €150M in cash.

Even a small client may maximize their deposit using the formula:

(Your Current Cash) + (Collateral Transfer Amount) = Account Value Used for Credit Lines

📨 Wire Instructions for Cash Deposits

If choosing to meet the minimum via an actual deposit

Bank: Mashreq Bank
Account Name: US CAPITAL FINANCE LLC
SWIFT: BOMLAEAD
(Full coordinates included from the previous letter.)

📌 Final Guidance

To fully activate your Wealth Management account:
✔ Meet or exceed the €1 million minimum via cash deposit or blocked funds transfer
✔ Submit proof of deposit
✔ Open a ticket for “Verification of Deposit.”

Clients who maximize their deposit—especially through blocked funds—achieve:

• Higher credit lines

• Better trading leverage

• Faster approvals

• Increased financial credibility

• Access to all SBLC/BG/MTN/LC instruments

• Strong positioning for global transactions

We encourage you to select the option that best supports your long-term objectives and to maximize your deposit for the greatest financial advantage.

Support

For assistance with deposits, verification, or account activation:
📧 https://uscapitalprivatebank.com
📞 +971 52 992 6005