> From: ms_dai@yahoo.com.hk
> Subject: Immediate response required.
> Date: Sun, 1 May 2011 10:53:16 +0200
>
> Ms Dai Ying
> General Manager
> Global Markets Department
> Bank of China (Hong Kong) Limited.
>
> Thank you for giving me your time. Please be patient and read my email to you.
>
> I am a staff of Bank of China (Hong Kong) Limited. I am contacting you
> concerning a customer and, an investment placed under our banks 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 2007, the subject matter; ref: BOC/BOCCN/70 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 $8.35 million United States Dollars,
> which he wished to have us turn over on his behalf. Being the general manager
> of global markets; I made numerous suggestions at that particular period to
> him, especially 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 2008, 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 2009. 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 US$
> 9,500,000.00 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.
>
>
> My proposal;
> 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 woman 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: daiying_2012@9.cn If you give me positive signals, I will initiate this
> process towards a conclusion.
>
> Please observe this instruction religiously. 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.
>
> I await your response.
>
> Sincerely,
>
> Dai Ying.