New business acct onboarding — Cedar Ridge Trading LLC ENTITY BASICS - formed Delaware 3/14/2019, registered agent CT Corp - NAICS 424990 (other nondurable goods wholesale) - EIN on file: 84-3271056 - principal office: 1420 Harbor Blvd Suite 310, Corpus Christi TX 78401 - website: cedarridgetrading.com (active, basic) BENEFICIAL OWNERS (per CIP cert form received 5/2/2026) - James Whitfield — 55% equity, CEO/manager, DOB 9/17/1971, SSN verified, US citizen, TX DL on file - Priya Nambiar — 45% equity, COO, DOB 4/3/1978, SSN verified, US citizen, TX DL on file - no control person listed separately (Whitfield covers control prong) SOURCE OF FUNDS / EXPECTED ACTIVITY - business: import/distribute specialty agricultural inputs (fertilizers, soil amendments) to Gulf Coast distributors - primary suppliers in Mexico and Chile (wire transfers expected) - expected monthly activity: ~$180k–$240k incoming wires from 3–4 domestic distributors, ~$90k–$130k outgoing international wires to suppliers - also expect domestic ACH payroll ~$18k/mo, misc op expenses - customer confirmed no cash transactions expected SCREENING — run 5/5/2026 - Whitfield, James: WorldCheck hit — possible adverse media match "James Whitfield" re: 2018 SEC inquiry (unrelated individual, different DOB/state confirmed by analyst — cleared) - Nambiar, Priya: clean, no hits - Cedar Ridge Trading LLC: OFAC SDN — NO MATCH; FinCEN 314(a) — NO MATCH - PEP check: neither owner listed in PEP databases - SIC/NAICS: no HIDTA/HIFCA designation for Corpus Christi region currently DOCUMENTS - Cert of Formation (DE): received, verified - Operating Agreement: received, reviewed — consistent w/ ownership % - EIN confirmation letter: on file - CIP cert / BO cert: received 5/2/2026 — all 4 fields complete per 1010.230 - ID docs (DL copies): both owners on file, not expired - Missing: prior 2 yrs bank statements (requested, pending)