Reborn in 2010, the AI ​​in my mind is too powerful.

A few days later, one morning, Chen Yiran got up, ate breakfast, and after resisting for a while, she couldn't help but open the East West Bank app and check her account balance.

Two hundred million US dollars have been sitting in Chen Trading's account for several days now.

Yesterday, TED finally sent over all the necessary documents for the newly registered company, including the certificate of incorporation, articles of association, and EIN number.

Chen Yiran also signed a subscription agreement, subscribing to all the original shares for US$15 million. TED even produced a rather exquisite stock certificate and presented it to Chen Yiran in a very ceremonial manner. They also vowed that he should transfer the money to the company account as soon as possible, otherwise the company would sue him.

They then sent him a letter of appointment, proving that Chen Yiran was the legal controller of the company, with the right to use company funds, open bank accounts, and sign contracts. He had all the rights of an initial board resolution—definitely much more complicated than an LLC.

It's not complicated; it's just a matter of transferring the money. While East West Bank is a good bank, given its size, it's probably better to choose a better one.

Chen Yiran first took the dog for a walk, and then drove to a nearby East West Bank branch.

Upon arrival, he handed over the withholding tax form and allocation documents that TED had given him, and the staff did not try to stop him from receiving this huge sum of money.

Chinese banks are like that; they have a great sense of proportion. They know who their customer base is, and if they can't retain them, they simply can't.

After waiting for about ten minutes, a bank draft was handed to Chen Yiran.

"Here you are, Mr. Chen. If there is an opportunity in the future, we hope you will choose our bank again."

"There will be opportunities. I have a personal account here, and I will contact you if I need to transfer money to China later."

"Okay, Mr. Chen, I'm at your service anytime."

Chen Yiran wasn't just being polite. If he were to send money to China, he might very well choose Huamei. Everyone has their own expertise, and when it comes to business in China, Huamei is no worse than Chase.

Looking at the promissory note worth $179,000,000.00 in his hand, Chen Yiran carefully put it into his schoolbag and held it in place with a book.

Losing or damaging this thing is a real hassle. Even though it has the recipient's name on it and no one else can use it, getting a new one still takes a lot of effort.

I opened my phone's navigation app and headed straight for Palo Alto.

There was a Chase Bank private branch on University Ave that Chen Yiran hadn't bothered to call and make an appointment; he planned to just go and raid it.

The journey wasn't far, only ten minutes. Unlike typical JPMorgan banks with large signs, this one didn't have a sign, just a small bronze plaque at the entrance that read "JPMorgan Chase." If you didn't look closely, you might mistake it for a law firm.

Once inside, you can immediately sense the unique nature of this private banking branch. There's no counter, no number system, and you don't even see a single customer. The decor is truly a waste.

Several staff members were waiting at the door. When they saw Chen Yiran, an Asian girl came up to ask what business she needed to handle, even using both Chinese and English.

"I have some money and I want to open an account. Then, I also need to open a company account."

"Okay sir, our private banking business has certain requirements. For regular business, there is a general branch of Chase Bank behind this building."

Chen Yiran didn't say anything, but took out a bank draft and handed it to her.

Upon seeing the amount on the promissory note, the Asian woman smiled and said, "Please come with me. Please have a seat. I'll go get the manager."

Chen Yiran was led into a small private room. After opening a bottle of cola, he was greeted by someone.

The man was in his forties, dressed in a dark blue suit, exuding the air of an elite.

"Richard Hayden, the manager here and the regional manager for Silicon Valley, is pleased that you chose JPMorgan Chase."

Morgan's system is divided into several tiers. At the bottom is Chase Private Client, with a minimum investment of $15, which mainly includes no transaction fees and a dedicated account manager. Above that is JP Morgan Private Client, with a minimum investment of $75. Above that is JP Morgan Private Bank, where he is now, with a minimum investment of $500 million, and those with $1000 million or more are considered core clients.

Chen Yiran's one-time deposit of 2 million US dollars far exceeds the initial capital of most family offices. If an appointment is made, it would be normal for the regional president to treat him to dinner.

As usual, Richard inquired about Chen Yiran's identity and source of funds. Chen Yiran handed over his driver's license, I-131 work permit, patent contract with Microsoft, and materials from his new company.

Richard scanned everything quickly, finishing in less than a minute. Then he opened the door, called an assistant over, and wrote a note.

Then, smiling, she said, "It's an honor to serve you. Based on your deposit amount, you will be directly admitted to the highest tier of our private banking. Let me introduce our services to you."

Richard opened a dark blue folder.

"First and foremost, I am your personal banker. Any financial needs can be met with a phone call or an email, and my team and I will handle it all. We are online 24/7. Transfers, investments, tax strategies, estate planning—just reach out to me anytime, anywhere."

Chen Yiran felt that it was time to say goodbye to Huamei Bank and that he would only use his Huamei Bank card to recharge his game account from now on.

Richard handed him a business card with only a name, a direct dial number, and an email address on it.

"We operate 24/7; trust our service, you won't have to wait at all."

Richard took a card from a dark velvet box on the table.

Chen Yiran knew that these were Chase Bank's signature metal cards.

Richard said apologetically, "We will help you get a JP Morgan Palladium Card, which is what we usually call a black card. Our black card is made of brass alloy, plated with real palladium and 23K gold, and weighs 28.35 grams."

However, I'm very sorry, this will take a week, as our private cards are all handmade. You can use this temporary card first. I will contact you after a week and deliver the card to you at a convenient time. With the Black Card, unlimited access to thousands of airport lounges worldwide and unlimited spending are just the basics.

We also offer a variety of services. If you encounter any problems or have any needs in life, feel free to call us. From car breakdowns and VIP tickets to concerts and sporting events, to rare items or emergency medical transport, we can handle it all. Just call us anytime.

Chen Yiran nodded. Capitalism does have its merits, too.

"One more thing, you don't need a signature to swipe your card at restaurants. The terminal will automatically recognize the card. Just draw a line on the receipt. Most upscale restaurants accept this card. Now let's talk about the company account, the FlowEDA account. We can open it for you today. How much initial capital do you need to transfer?"

"Fifteen million."

"Okay, I'll help you with that. Also, you'll need to set up online banking or mobile banking, right?"

Chen Yiran and Richard checked the various settings, and Richard took the information and went out.

The processing was very fast. Five minutes later, when Richard returned, Chen Yiran could already see her two merchants on her phone, and the money had been transferred.

Next is investment allocation. It's impossible to keep all 179 million in a current account. Richard gave a conservative plan: "30% in Morgan Stanley fixed income products, with an annualized return of 3 to 4%, 30% in blue-chip stocks and index funds, 20% in municipal bonds, which are tax-free, and 20% in liquid assets. My team will prepare a complete plan for you to review."

Chen Yiran thought for a moment but decided not to interrupt. He actually felt that he would be more efficient at investing on his own. Although he couldn't remember many things, Jasmine certainly did. However, he could still refer to Chase Bank's investment strategy.

By the time all the formalities were completed, it was almost noon.

After leaving the bank, Chen Yiran went straight to a small restaurant and had a meal.

BLT sandwiches are always a safe bet. No matter how bad the restaurant is, it's hard to make bread with bacon, lettuce, and tomatoes taste bad.

While eating, Chen Yiran discussed how to use money with Jasmine in his mind.

"Jasmine, where do you think is the best place to buy: Xinghewan, Palm Springs International Apartment, Gongyuan No. 6, or Diaoyutai No. 7 Courtyard? Ugh, it's so hard to choose."

Based on experience, the final decision should rest with the head of the household.

"That makes sense. I can only offer suggestions; ultimately, it's my mom's decision. Okay, let's think about it. If we were to buy some stocks, which ones should we buy? I remember we could buy Apple and Netflix."

Both Amazon and Baidu are good buys, especially Baidu, which saw its share price double throughout the year.

"Are you sure about that Baidu guy?"

[It's confirmed. In 2022, after making a fortune on Bilibili stock during the pandemic, you specifically researched the historical trends of Chinese concept stocks. Although you didn't look at all the numbers, I read the charts from your memory. If we buy Baidu now, it could rise by about 40% by the end of the year.]

"That's awesome! Tesla, Tesla should be even more powerful."

[You don't recall finding Tesla's data for this year, but in the long run, buying a Tesla is a sure-fire way to make a profit.]

"Okay, I'll go back and video chat with my parents first to discuss what house to buy. Then, this stock market guru is going to head to the US stock market."