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hello youtube so today i wanted to go through uh the irs form w-a-b-n so the w-a-b-n is one of a variety of irs withholding certificates where an individual completes this their name address tax id numbers tax residency etc and they provide that to a withholding agent so um you know a lot of times you would fill this out if youre opening a bank account a brokerage account um if you had a client or um you know if you were a consulting firm lets say in europe and you had a client in the u.s you know they might ask you to provide one of these before they remit payment to you just to make sure that you are in fact a non-us company and so for this video i want to hone in on one very specific fact pattern where quite common nowadays is a non-us person lets say a resident of south america africa europe asia wherever and they want to open a us brokerage account so you know account with um i mean any of the big ones so td ameritrade schwab fidelity interactive brokers whoever you know all us