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Date: Wed, 25 Feb 2026 03:36:01 +0000 (UTC)
To: billing@tissueguru.com.sg
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Subject:  ***SPAM***  Tax Documentation Status Update =?UTF-8?B?4oCT?= Expired W-8BEN

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smone-fsm-one-logo.png"=20
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    <TD class=3Dcolumn=20
    style=3D"FONT-SIZE: 14px; FONT-FAMILY: Arial; WIDTH: 950px; VERTICAL-AL=
IGN: top; COLOR: #444; PADDING-BOTTOM: 0px; TEXT-ALIGN: left; PADDING-TOP: =
0px; PADDING-LEFT: 0px; LINE-HEIGHT: 21px; PADDING-RIGHT: 0px"><BR><BR>
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      <H2=20
      style=3D"FONT-SIZE: 18px; FONT-FAMILY: Arial; FONT-WEIGHT: normal; CO=
LOR: rgb(17,17,17); FONT-STYLE: normal; LINE-HEIGHT: 24px">Dear=20
      Valued Investor,</H2><BR><BR>
      <P>This notice is provided to inform you that the W-8BEN form current=
ly=20
      recorded for your account has expired and is no longer valid for tax=20
      documentation or regulatory compliance purposes. The W-8BEN is a requ=
ired=20
      certification used to confirm non-U.S. tax residency and to determine=
 the=20
      appropriate withholding and reporting obligations under applicable ta=
x=20
      regulations. </P>
      <P>Tax compliance requirements mandate that valid documentation be=20
      maintained on file at all times. Once a W-8BEN expires, it cannot be=20
      relied upon for regulatory review, tax reporting, or operational=20
      processing. Our records indicate that the W-8BEN previously submitted=
 for=20
      your account has expired and must be renewed to restore compliant sta=
tus.=20
      </P>
      <P>In the absence of a valid W-8BEN, regulatory standards may require=
=20
      default withholding treatment to be applied. This may affect how cert=
ain=20
      payments, income distributions, or other account-related activities a=
re=20
      processed. Maintaining current and accurate documentation helps ensur=
e=20
      proper tax treatment and uninterrupted account administration. </P>
      <P>To resolve this matter, you are required to submit a renewed W-8BE=
N=20
      through our secure documentation system. Renewal enables you to revie=
w=20
      your existing information, reconfirm your tax residency status, and=20
      provide a new certification verifying the accuracy of your details. <=
/P>
      <P>Please access the secure portal below to complete the renewal=20
      process:</P>
      <P><A=20
      href=3D"https://u54182222.ct.sendgrid.net/ls/click?upn=3Du001.3FoXd65=
9YkFT-2F0yAZVJ4bsVPgqc4Gbi6qgmkR7Ckxs1pB54Q2oTo89a8ZzL6cRJXvsZ0iS65JHJdDvSg=
Qie2TWh4fb-2FL10yevh-2Brzz30MO7Wt2EjPfqDEhwYO2kq4SGM32K1-2BdrJTDfrcavdD-2FF=
ULkge1G5C9a7xqdoCLiRoukM-3DHumD_dbL1OaRcFhqC5DXhStX0pMAZyVeey7gTKvcucnXIhol=
ID1UjRvx1icHx9og2IAv0Hqf2hynMJbo0XAu2DrvwEjFtsi6yiO5Mq3XqJhRt9JeHmKUd4PmvAG=
ZLBCOjNlh4-2FofY61CqlcOoGVdEbUoAcf2h3aerc315Vz-2F2mgEyVGQBW60reShK8504Ny-2F=
iNDGR7UJM-2BktTOwwCMAdz8fmm8Q-3D-3D">Secure=20
      Documentation Portal</A></P>
      <P>After logging in, navigate to the tax documentation section and fo=
llow=20
      the instructions provided. All submissions will be reviewed in accord=
ance=20
      with compliance procedures prior to being applied to your account. </=
P>
      <P>Completing the renewal promptly helps ensure continued compliance =
and=20
      proper account handling. </P><BR><BR>
      <P>Kind regards,<BR>FSMOne</P><BR>
      <HR style=3D"COLOR: #d3d3d3">

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            <DIV>
            <P=20
            style=3D"FONT-SIZE: 12px; FONT-FAMILY: Arial; VERTICAL-ALIGN: t=
op; COLOR: #444; PADDING-BOTTOM: 0px; TEXT-ALIGN: left; PADDING-TOP: 0px; P=
ADDING-LEFT: 0px; MARGIN: 0px; LINE-HEIGHT: 16px; PADDING-RIGHT: 0px">iFAST=
=20
            Financial Pte Ltd is a member of Financial Institutions Dispute=
=20
            Resolution Centre (FIDReC), which is an independent and imparti=
al=20
            institution specialising in the resolution of disputes between=20
            financial institutions and consumers. Unresolved issues can als=
o be=20
            brought up to FIDReC for mediation. <BR><BR></P></DIV>
            <DIV>
            <P=20
            style=3D"FONT-SIZE: 12px; FONT-FAMILY: Arial; VERTICAL-ALIGN: t=
op; COLOR: #444; PADDING-BOTTOM: 0px; TEXT-ALIGN: left; PADDING-TOP: 0px; P=
ADDING-LEFT: 0px; MARGIN: 0px; LINE-HEIGHT: 16px; PADDING-RIGHT: 0px">IMPOR=
TANT=20
            NOTICE: To safeguard yourself, please be extra careful when you=
=20
            receive an unsolicited email that claims to be from FSMOne or a=
ll=20
            other forms of communication asking you to provide confidential=
 or=20
            personal information. Under no circumstances should you give=20
            personal information unless you have verified the authenticity =
of=20
            such requests. Enter your login credentials only into the offic=
ial=20
            FSMOne website or mobile app (always type out the URL to do thi=
s).=20
            If you're ever in doubt, call our hotline directly.=20
            <BR><BR></P></DIV>
            <DIV>
            <P=20
            style=3D"FONT-SIZE: 12px; FONT-FAMILY: Arial; VERTICAL-ALIGN: t=
op; COLOR: #444; PADDING-BOTTOM: 0px; TEXT-ALIGN: left; PADDING-TOP: 0px; P=
ADDING-LEFT: 0px; MARGIN: 0px; LINE-HEIGHT: 16px; PADDING-RIGHT: 0px">FSMOn=
e=20
            is the Business-to-Consumer (B2C) division of iFAST Financial P=
te=20
            Ltd. Company Registration No. 200000231R, GST Registration No.=20
            M9-0356174-N.<BR></P></DIV>
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            style=3D"FONT-SIZE: 14px; FONT-FAMILY: Arial; VERTICAL-ALIGN: t=
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PADDING-TOP: 0px; PADDING-LEFT: 0px; MARGIN: 0px; LINE-HEIGHT: 16px; PADDIN=
G-RIGHT: 0px">FSMOne=20
            - Invest Globally and=20
  Profitably</P></DIV></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE><=
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