GOOD DAY

Wednesday, March 4, 2009 4:52 AM
From:
“cmj1001”
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To:
undisclosed-recipients

Good day,

I know this is an unconventional way of introducing a big and profitable business deal, but I
however want you to take your time to read my letter carefully, you will understand the necessity
for my action. I got your email address from the Ministry of Commerce Directory

I am John Michael, staff of International Private Banking at HSBC Bank. I am contacting you
concerning a deceased customer and an investment he placed under our banks management three years
ago. I would respectfully request that you keep the contents of this mail confidential and respect
the integrity of the information you come by as a result of this mail.

I contacted you independently of our investigation and no one is informed of this communication. I
would like to intimate you with certain facts that I believe would be of interest to you. In 2001,
the subject matter came to our bank to engage in business discussions with our private banking
division. He informed us that he had a financial portfolio of Forty Eight Million Three Hundred
and Fifty Thousand Unite d States Dollars ($48,350,000.00 USD), which he wished to have us turn
over (invest) on his behalf. I was the officer assigned to his case; I was made numerous
suggestions in line with my duties as the de-facto chief operations officer of the private banking
sector, especially given the volume of funds he wished to put into our bank. We met on numerous
occasions prior to any investments being placed. I encouraged him to consider various growth funds
with prime ratings. The favored route in my advice to customers is to start by assessing data on
6000 traditional stocks and bond managers and 2000 managers of alternative investments. Based on
my advice, we spun the money around various opportunities and made attractive margins for our
first months of operation, the accrued profit and interest stood at this point at over ten million
United States Dollars, this margin was not the full potential of the fund but he desired low risk
guaranteed returns on investments.

In mid 2002, he asked that the money be liquidated because he needed to make an urgent investment
requiring cash payments in here in the United Kingdom. He directed that I liquidate the funds and
deposit it with a security firm here in London. I informed him that HSBC would have to make
special arrangements to have this done and in order not to circumvent due process, the bank would
have to make a 9.5 % deduction from the funds to cater for banking and statutory charges. He
complained about the charges but later came around when I explained to him the complexities of the
task he was asking of us. Cash movement across boarders has become especially strict since the
incidents of 9/11. I contacted my affiliate in here in London and made the funds available to the
security firm. I undertook all the processes and made sure I followed his precise instructions to
the letter and had the funds deposited at the London based security consultancy firm, Corporate
Securities Co. Corporate Securities Co is a specialist private firm that accepts deposits from
high net worth individuals and blue chip corporations that handle valuable products or undertake
transactions that need immediate access to cash. This small and highly private organization is
familiar especially to the highly placed and well-connected organizations. In line with
Instructions, the money was deposited with Corporate Securities Co. The deceased told me he wanted
the money; there in anticipation of his arrival from Norway later that week. This was the last
communication we had, this transpired around 25th June 2003. In June last year, we got a call from
Corporate Securities Co informing us that the activity of that particular portfolio. This was an
astounding position as far as I was concerned, given the fact that I managed the private banking
sector I was the only one who knew about the deposit at Corporate Securities Co, and I could not
understand why the deceased had not come forward to claim his deposit. I made futile efforts to
locate the deceased. I immediately passed the task of locating him to the internal investigations
department of HSBC. Four days later, information started to trickle in, apparently our client was
dead. A person who suited his description was declared dead of a heart attack in Cannes, South of
France.

We were soon enough able to identify the body and cause of death was confirmed. The bank
immediately launched an investigation into possible surviving next of kin to alert about the
situation and also to come forward to claim his estate. If you are familiar with private banking
affairs, those who patronize our services usually prefer anonymity, but also some levels of
detachment from conventional processes. In his bio-data form, he listed no next of kin. In the
field of private banking opening an account with us means no one will know of its existence,
accounts are rarely held under a name; depositors use numbers and codes to make the accounts
anonymous. This bank also gives the choice to depositors of having their mail sent to them or held
at the bank itself, ensuring that there are no traces of the account and as I said, rarely do they
nominate next of kin.

Private banking clients apart from not nominating next of kin also usually in most cases leave
wills in our care, in this case; the deceased died without a testament .In line with our internal
processes for account holders who have passed away, we instituted our own Investigations in good
faith to determine who should have right to claim the estate. This investigation has for the past
months been unfruitful. We have scanned every continent and used our private investigation
affiliate companies to get to the root of the problem. It is this investigation that resulted in
my being furnished with your details as a possible relative of the deceased. My official capacity
dictates that I am the only party to supervise the investigation and the only party to receive the
results of the investigation. What this means, you being the last batch of names we have
considered, is that our dear late fellow died with no known or identifiable family member. This
leaves me as the only person with the full picture of what the prevailing situation is in relation
to the deposit and the late beneficiary of the deposit.

According to practice, Corporate Securities Co will by the end of this financial year broadcast a
request for statements of claim to HSBC, failing to receive viable claims they will most probably
revert the deposit back to HSBC. This will result in the money entering the HSBC accounting system
and the portfolio will be out of my hands and out of the private banking division. This will not
happen if I have my way. What I wish to relate t o you will smack of unethical practice but I want
you to understand something. It is only an outsider to the banking world who finds the internal
politics of the banking world aberrational.

The world of private banking especially is fraught with huge rewards for those who occupy certain
offices and oversee certain portfolios. You should have begun by now to put together the general
direction of what I propose. I alone have the deposit details and they will release the deposit to
no one unless I instruct them to do so. I alone know of the existence of this deposit for as far
as HSBC is concerned, the transaction with our late customer concluded when I sent the funds to
corporate securities, all outstanding interactions in relation to the file are just customer
services and due process. Corporate Securities Co has no single idea of what the history or nature
of the deposit. They are simply awaiting instructions to release the deposit to any party that
comes forward. This is the situation. This bank has spent great amounts of money trying to track
this mans family; they have investigated for months and have found no family. The investigation
has come to an end. My proposal; you share similar details to the late fellow; I am prepared to
place you in a position to instruct Corporate Securities Co to release the deposit to you as the
closest surviving relation. Upon receipt of the deposit, I am prepared to share the money with you
in half. That is: I will simply nominate you as the next of kin and have them release the deposit
to you. We share the proceeds 50/50.I would have gone ahead to ask the funds be released to me,
but that would have drawn a straight line to me and my involvement in claiming the deposit. I
assure you that I could have the deposit released to you within a few days. I will simply inform
the bank of the final closing of the file relating to the deceased I will then officially
communicate with Corporate Securities Co and instruct them to release the deposit to you. With
these two things: all is done. The alternative would be for us to have Corporate Sec unities Co
direct the funds to another bank with you as account holder. This way there will be no need for
you to think of receiving the money from Corporate Securities Co. We can fine-tune this based on
our interactions. I am aware of the consequences of this proposal. I ask that if you find no
interest in this project that you should discard this mail. I ask that you do not be vindictive
and destructive. If my offer is of no appeal to you, delete this message and forget I ever
contacted you. Do not destroy my career because you do not approve of my proposal.

You may not know this but people like myself who have made tidy sums out of comparable situations
run the whole private banking sector. I am not a criminal and what I do, I do not find against
good conscience, this may be hard for you to understand, but the dynamics of my industry dictates
that I make this move. Such opportunities only come ones’ way once in a lifetime. I cannot let
this chance pass me by, for once I find myself in total control of my destiny. These chances won’t
pass me by. I ask that you do not destroy my chance, if you will not work with me let me know and
let me move on with my life but do not destroy me. I am a family man and this is an opportunity to
provide them with new opportunities. There is a reward for this project and it is a task well
worth undertaking. I have evaluated the risks and the only risk I have here is from you refusing
to work with me and alerting my bank. I am the only one who knows of this situation, good fortune
has blessed you with a name that has planted you into the center of relevance in my life. Let
share the blessing. If you find yourself able to work with me, contact me through this same email
account. If you give me positive signals, I will initiate this process towards a conclusion. I
wish to inform you that should you contact me via official channels; I will deny knowing you and
about this project. I repeat, I do not want you contacting me through my official phone lines nor
do I want you contacting me through my official email account. Contact me only through the numbers
I will provide for you and also through this email address. I do not want any direct link between
you and me. My official lines are not secure lines as they are periodically monitored to assess
our level of customer care in line with our Total Quality Management Policy.

Please observe this instruction religiously. Please, again, note I am a family man, I have a wife
and children. I send you this mail not without a measure of fear as to what the consequences, but
I know within me that nothing ventured is nothing gained and that success and riches never come
easy or on a platter of gold. This is the one truth I have learnt from my private banking clients.
Do not betray my confidence. If we can be of one accord, we should plan a meeting, soon.Thank you
so much for your time. I look forward to hearing from you soonest.

I await your response.

John Michael.

N:B Please reply me on this email address jmich973@live.com
Our Spammy Sammy here is nothing but a long-winded scum bag who wants to empty your bank account. Delete and be safe!

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