THE INITIATION: THE GHOST PHOTO

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You've solved the MEMBERSHIP CARD challenge AND the NEWSPAPER challenge?!?  You're so close: you're up to THE GHOST PHOTO.

We know you can't tell, but hiding under the ghostly sheet in the photograph is former SCAM member, Millard Fillmore. 

We're sure his message is important and we're sure this might be helpful as well:

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Come on, it's:

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(That translates to "EASY.")

Solve this challenge and remember: the answer is a three-letter word that will replace the "XXX" in magicscam.com/XXX.  Be quick - the final challenge is next!