They are thieves...Be careful of this. It's the same story for me. Kate Miller and Jennifer Richards are two of the scammers. I can't believe these scammers are doing such a complicated scam/fraud/robbing. Is there a way to stop these guys, they don't have law and order, wow, I can't believe it. Thankfully, I figured it out (albeit a bit late) and now I am about to lose 10,000 PHP. They do not want to refund. Refunds require a high handling fee, they didn't tell me before.