i opened an Etrade MMA early this month, got a letter thru mail with a signature card.

3 questions:

1, what happens if this card is not returned?

2, if i check the box where says that i'm not a citizen or PR, they ask me to send a W-8BEN, what is this?

3, can i just check that i'm a citizen/PR?

i only intend to keep this account open for 4 months.

please help! thanks!!!