Saturday, February 28, 2009 10:05 PM
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Treasurer and Head of Global Markets
The Hong Kong and Shanghai Banking Corporation Limited
Thank you for giving me your time. Please be patient and read my email to
I am a staff of the Hong Kong and Shanghai Banking Corporation Limited. I
am contacting you concerning a customer and an investment placed under our
Bank’s management 4 years ago, I contacted you independently of our
investigation and no one is informed of this communication and I would
like to intimate you with certain facts that I believe would be of
interest to you.
In 2005, the subject matter; Ref: HSBC/HSC/74 came to our Bank to engage
in business discussion with our Private Banking Service Department. He
informed us that he had a financial portfolio of USD$48,350,000.00 which
he wished to have us turn over on his behalf. I was the officer assigned
to his case; I made numerous suggestions in line with my duties as Chief
Operations Officer at that particular period, 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 600 traditional stocks and bond
managers and alternative investments. Based on my advice, we spun the
money around various opportunities and made attractive margins for our
first month of operation, the accrued profit and interest stood at this
point at over 10 million United States Dollars, this margin was not the
full potential of the fund but he desired low risk guaranteed returns on
investments. In late 2006, he asked that the money be liquidated because
he needed to make an urgent investment requiring cash payments in Europe.
He directed that I liquidate the funds and had it deposited with a firm in
Europe. I informed him that our Bank 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 borders has become especially strict
since the incidents of 9/11.
I contacted my affiliate in Europe and had the funds available in main
land Europe. I undertook all the processes and made sure I followed his
precise instructions to the letter and had the funds deposited in a
security consultancy firm, the firm 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. He 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 February 2007. In June last year, we got a call from the
security firm informing us of the inactivity 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, and I could not understand why he had not come forward
to claim his deposit. I made futile efforts to locate him I immediately
passed the task of locating him to the internal investigations department
of our Bank. Four days later, information started to trickle in, that he
was apparently 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; he died in testate.
What I wish to relate to 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.
There is USD$48,350,000.00 deposited, 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 the finance
firm, the transaction with our deceased customer concluded when I sent the
funds to the firm, all outstanding interactions in relation to the file
are just customer services and due process. The finance firm has no single
idea of what’s 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 man’s family; they have investigated for months and
have found no family. The investigation has come to an end.
I am prepared to place you in a position to instruct the finance firm 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 and no
more. 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. But on the
other hand, you as a foreigner and also with all the necessary legal and
official documentations from me and the presiding attorney and also with
the authority vested upon me by the original depositor, you would easily
pass as the beneficiary with the rights to claim. I assure you that I
could have the deposit released to you in a few days. I will simply inform
our bank of the final closing of the file relating to the customer. I will
then officially communicate with the finance company and instruct them to
release the deposit to you.
With these two things: all is done. The alternative would be for us to
have the firm 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 the firm. 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 or 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 me 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 once in a lifetime. I cannot let this chance pass
me by I hope you understand because for once I found myself in total
control and face to face with 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
married Man with 2 kids 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’s share the blessing.
If you find yourself able to work with me, contact me through this email
account. If you give me positive signals, I will initiate this process
towards a conclusion.
Please observe this instruction religiously. Please note again, I am a
happily married with two kids. I send you this mail not without a measure
of fear as to what the consequences might be, 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 learned from my
private banking clients. Do not betray my confidence. If we can be of one
accord, we should plan a meeting, soon.
I await your response.
Kindly reply to my secure email : email@example.com
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Um—do I read this spam out loud, or do I read it silently to myself? Maybe I should just delete it and that way I won’t have to read it at all!J