In regards to the previous posting about the ZIM redemption story, I cannot believe that the story is true at all. We all have been reading INTEL reports; that no matter what level of exchange rate transacted, there will be an NDA signed. It makes sense, because people talk(boast), and probably will; even with an NDA signed. If this exchange is for real, then it already begs the question of fairness for the rest of us. Why is this Tier 2 person, any better than a Tier 3 person? Are we eligible for the same terms/rate of exchange? I would suggest, if any high level Wells Fargo banker had read that posting by Pepper Jack Z; they need to investigate the so called exchange for possible problems.