On 4th April 2022, Brenda Jones received a call from Nu Banks employee, Thomas Smith who was employed at the Small Street Branch of the bank as a financial planner. Brenda was surprised to receive a call from Thomas, as she normally conducted her transactions at the Long Street Branch of the bank. On her arrival at the Small Street Branch, Brenda found Thomas in the company of Ravi Naidoo, a broker consultant employed by Your Life & Investments Insurance