This is a submission for the
Exhibit B — funds held at LA MEC microfinance with no proof of a commercial-bank pathway, plus an acte de donation submitted without the donor's bank statements to back it up. The officer concluded the funds were not reliably transferable.
Every ground cited in both letters — cash payment, missing CNPS, payslip-deposit mismatch, microfinance via commercial-bank intermediary, gift deed without donor records — is flagged by the tool before submission.
What this means
Gemma 4 is a capable open model, freely accessible and running on a developer's laptop without infrastructure or budget. As a developer whose laptop is not powerful enough to train models, I was still able to build something unique and useful for my community.
Nobody in San Francisco was going to build a Cameroon-aware immigration assistant. Not because the developers there are not smart, but because Express Entry refusals in Yaoundé are not a problem they see. The people best placed to build for a niche are the people inside it. Open, capable models make that possible.
Gemma 4 is for builders everywhere who understand real problems that nobody else is going to solve for them.

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