Hello, Thank you for giving me your time, it is of great importance for you to take care and understand every word which I have written down below; please be patient and read the explanation in my email. I am Miss Elizabeth Cheng a staff of Hong Leong Bank Plc., Singapore attached in Private Banking Services. I am contacting you concerning a customer and an investment placed under our banks management. I would respectfully request that you keep the contents of this mail private. I contacted 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 2000, the subject matter; Ref: FI/TSC/976/033/0590 came to our bank to engage in business discussions with our Private Banking Department. He informed us that he had a financial portfolio of 25.37 Million USD, which he wished to have us turn over (invest) on his behalf. I was the officer assigned to his case; I made numerous suggestions in line with my duties as the de-facto chief Investment Analysis of the Private Banking Department. We met on numerous occasions prior to some investments being placed, and however I encouraged him to consider various growth funds with prime ratings. The favored route in my advice to customers is to start by accessing data on 600 traditional stocks and bond managers and 200 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 with interest included, stood at this point at over 15.2 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-2001, he asked that the money be liquidated because he needed to make an urgent investment requiring cash payments in Europe and then we should deposit the funds in with firm. 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. 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 mainland 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 his instructions, the money was deposited. This was the last communication we had, this transpired around February 25th 2002. 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 able to gather more information and the 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. 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 Intestate. 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 for several months were futile. 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 decision to obtain your contact details and contact you, being as a foreigner and as a potential benefactor of the estate even if you are in no way affiliated with this individual (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; with you being a foreigner, I have considered the fact 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, the firm shall by the end of this financial year broadcast a request for statements of claim to our bank, failing to receive viable claims they will most probably revert the deposit back to our bank. This will result in the money entering our bank's accounting system and the portfolio will be out of my hands and out of the Private Banking Department. What I wish to relate to you might be a 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 $25,970,685 (Twenty Five Million, Nine Hundred and Seventy Thousand, Six Hundred And Eighty Five Thousand United States Dollars) 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 is concerned, 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, and this is the situation. My proposal; I am prepared to place you in a position whereby an instruction is given to the finance firm to officially release the deposit to you as the closest surviving relation/associate and all etiquette shall be done in accordance with the rule of law. I certainly can guarantee you that, by the common law, the power of bequeathing are coeval with the first rudiments of the law and this power has been extended to all man's Personal and Real estate (Personality & Realty). There is no ruling which prevents an inheritance from being so exhausted by legacies as to render it unworthy of the heir's acceptance; basically all persons of sound mind are competent to bequeath and devise real and personal estate, excepting infants with all this I would say we have the clear advantage to carry out a smooth and perfect operation whereby the paperwork shall be coordinated in such a way that your status as a sole beneficiary is confirmed. 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; afterwards 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 an indifferent foreigner 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. 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 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; once in a lifetime. I cannot let this down the drain and 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 please let me know, and hence move on with my life, but do not destroy me; 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. If you give me positive signals, I will initiate this process towards a quick conclusion. It is necessary to inform you that under no condition should you contact me via official channels; I will simply deny knowing you and about this project. Contact me only 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. If we can be of one accord I shall have the pleasure of meeting you, after this task has been completed then we can plan a meeting.
I await your response soonest. Yours Sincerely, Elizabeth Cheng

Hello, Thank you for giving me your time, it is of great importance for you to take care and understand every word which I have written down below; please be patient and read the explanation in my email. I am Miss Elizabeth Cheng a staff of Hong Leong Bank Plc., Singapore attached in Private Banking Services. I am contacting you concerning a customer and an investment placed under our banks management. I would respectfully request that you keep the contents of this mail private. I contacted 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 2000, the subject matter; Ref: FI/TSC/976/033/0590 came to our bank to engage in business discussions with our Private Banking Department. He informed us that he had a financial portfolio of 25.37 Million USD, which he wished to have us turn over (invest) on his behalf. I was the officer assigned to his case; I made numerous suggestions in line with my duties as the de-facto chief Investment Analysis of the Private Banking Department. We met on numerous occasions prior to some investments being placed, and however I encouraged him to consider various growth funds with prime ratings. The favored route in my advice to customers is to start by accessing data on 600 traditional stocks and bond managers and 200 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 with interest included, stood at this point at over 15.2 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-2001, he asked that the money be liquidated because he needed to make an urgent investment requiring cash payments in Europe and then we should deposit the funds in with firm. 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. 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 mainland 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 his instructions, the money was deposited. This was the last communication we had, this transpired around February 25th 2002. 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 able to gather more information and the 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. 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 Intestate. 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 for several months were futile. 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 decision to obtain your contact details and contact you, being as a foreigner and as a potential benefactor of the estate even if you are in no way affiliated with this individual (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; with you being a foreigner, I have considered the fact 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, the firm shall by the end of this financial year broadcast a request for statements of claim to our bank, failing to receive viable claims they will most probably revert the deposit back to our bank. This will result in the money entering our bank's accounting system and the portfolio will be out of my hands and out of the Private Banking Department. What I wish to relate to you might be a 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 $25,970,685 (Twenty Five Million, Nine Hundred and Seventy Thousand, Six Hundred And Eighty Five Thousand United States Dollars) 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 is concerned, 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, and this is the situation. My proposal; I am prepared to place you in a position whereby an instruction is given to the finance firm to officially release the deposit to you as the closest surviving relation/associate and all etiquette shall be done in accordance with the rule of law. I certainly can guarantee you that, by the common law, the power of bequeathing are coeval with the first rudiments of the law and this power has been extended to all man's Personal and Real estate (Personality & Realty). There is no ruling which prevents an inheritance from being so exhausted by legacies as to render it unworthy of the heir's acceptance; basically all persons of sound mind are competent to bequeath and devise real and personal estate, excepting infants with all this I would say we have the clear advantage to carry out a smooth and perfect operation whereby the paperwork shall be coordinated in such a way that your status as a sole beneficiary is confirmed. 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; afterwards 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 an indifferent foreigner 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. 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 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; once in a lifetime. I cannot let this down the drain and 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 please let me know, and hence move on with my life, but do not destroy me; 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. If you give me positive signals, I will initiate this process towards a quick conclusion. It is necessary to inform you that under no condition should you contact me via official channels; I will simply deny knowing you and about this project. Contact me only 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. If we can be of one accord I shall have the pleasure of meeting you, after this task has been completed then we can plan a meeting.
I await your response soonest. Yours Sincerely, Elizabeth Cheng