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From: Kwong Ha <mhwhetsg1005@outlook.kr>
Date: Tue, 18 Nov 2014 16:56:12 +0800
Subject: RE: F-Y-I
Good day,
First of all I want to thank you for considering my proposal. One
aspect I will like to talk about is PARTNERSHIP. I strongly believe in
the power and spirit of Partnership in business. Partnership, it is
all about mutual understanding, mutual efforts /contribution and
mutual benefits for all parties involved in the partnership. On this
note, I would want us to work as a team in pursuit of this interest
with utmost professionalism, transparency, commitment and
confidentiality.
The first thing I will do is to get you acquainted with the complete
details (a general overview) of this transaction so as to give you a
foundation on which to make a concrete decision. I actually got your
email contact from a friend of mine who works at the Chambers of
Commerce here in the Hong Kong, I went to him with the zeal of
locating a possible business partner overseas who will assist me in
this project but note that I did not specify the nature of this
business to him due to the nature of the business.
I contacted you concerning a deceased customer Qusayy Ziya-Omeed (An
Iraqi Crude oil merchant), and an investment he placed under our banks
management. Once again 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 am contacting on
you independently 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 January 2001, Qusayy Ziya-Omeed came to our bank to engage in
business discussions with our private banking division. He informed us
that he had a financial portfolio of 18.3 million United States
dollars, which he wished to have us turn over (invest) on his behalf.
I was the officer assigned to his case because of his high net worth
profile; I 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 favoured route in my advice to customers is to start by assessing
data on 600 traditional stocks and bond managers and 300 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
22.5 million United States dollars, this margin was not the full
potential of the fund but he desired low risk guaranteed returns on
investments.
Upon maturity several notice was sent to him, even during the war (U.S
and Iraqi war), Eleven years ago (2003). Again after the war another
notification was sent and still no response came from him. I
immediately passed the task of locating him to the internal
investigations department of Hang Seng Bank Ltd. Information started
to trickle in that Qusayy Ziya-Omeed and his family had been killed
during the war in a bomb blast that hit his home at Mukaradeeb where
his personal oil well was. 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 even 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; our now deceased client
died in-testate. 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 quite clear now
that our dear client 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 portfolio and the late
beneficiary of the deposit. According to practice, the Private banking
sector will by the end of this year broadcast a request for statement
of claim to Hang Seng Bank Ltd, failing to receive viable claims they
will most probably revert the deposit to Management of Hang Seng Bank
Ltd. This will result in the money entering the Hang Seng accounting
system and the portfolio will be out of my hands and out of the
private banking division. What bothers me most is that according to
the laws of my country at the expiration of Eleven {11} years the
funds will revert to the ownership of the Hong Kong Government if
nobody applies to claim the funds. This will not happen if I have my
way.
What I wish to relate to you will smack off 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 sit upon certain chairs and oversee certain
portfolios. You should have begun by now to put together the general
direction of what I propose. There is US $22,500,000.00 deposit just
lying unclaimed. This bank has spent great amounts of money trying to
track the deceased's family; they have investigated for several months
and have found no identifiable family member. The investigation has
come to an end.
My proposal; I am prepared to furnish the necessary details to you as
the closest surviving relation. I am also proposing that after
successful execution of the business deal and the money in your
account, the funds be disbursed in the ratio 40/60; 40% of the funds
will go to you for offering yourself as the next of kin and providing
a foreign account especially an offshore account for safe transfer of
the funds and 60% will be for me. Please let me know in your next
correspondence if the above sharing ratio is okay by you because we
can fine-tune this based on our interactions incase you have any
problem with it. Following the master plan for this deal I am looking
at a bank that have transaction understanding with my bank as first
point of transfer to put off eyebrows that may be raised or to avoid
unnecessary questioning.
I am aware of the consequences of this proposal. Once more, I ask
that if you find no interest in this project that you should discard
this mail and forget I ever contacted you, I ask that you do not be
vindictive and destructive. Do not destroy my career because you do
not approve of my proposal. 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 one's way once in a lifetime. I
cannot let this chance pass me by. For once I find myself in total
control of my destiny. This chance won't pass me by and please do not
let me miss my chance, if you will not work with me let me know and
let me move on with my life. I am a family man and this is an
opportunity to provide them with new opportunities. I have evaluated
the risks and the only risk I have here is from you refusing to work
with me and alerting my bank. If you give me positive signals, I will
give you the relevant modus operandi to initiate this process towards
a conclusion.
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 learned from my private banking
clients. Do not betray my confidence. I await your response.
Sincerely,
Ha, Kwong Sang
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