Miss Young

Hello, I am Miss Young. I received the following email. It is a socalled "Advance Fee Fraud" letter, where I am promised millions for my assistance. These stories are all lies, and if I respond, sooner or later I will be asked to pay a fee. If I pay, another fee will quickly come up, and it will continue that way until I give up or run out of money. I will never see the millions, because they never existed.

If you received a similar email, you should go to the homepage to read more about 419 fraud.

Mr From: STEWART BARCULO [mailto:stewart_barculo64@yahoo.com.hk]
Sent: Monday, January 07, 2008 9:04 PM
To: undisclosed-recipients:


I am Stewart Barculo,a Staff of Standard Life Bank Limited.I am
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
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;
came to our bank to engage in business iscussions with our private
division. He informed us that he had a financial portfolio of Fifty
million united states dollars,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
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
advise to customers is to start by assessing data on 6000 traditional
stocks and bond managers and 2000 managers of alternative investments.
ed 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
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 here in the united
kingdom. He directed that I liquidate the funds and deposit it with a
security firm. I informed him that Standard Life House would have to
special arrangements to have this done and in order not to circumvent
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
he was asking of us. Cash movement across boarders has become especially
strict since the incidents of 9/11. I contacted my affiliate and made
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 with the security
firm. The Security Firm is a specialist private firm that accepts
from high net worth individuals and blue chip corporations that handle
valuable products or undertake transactions that need immediate access
cash. This small and highly private organization is familiar especially
the highly placed and well-connected organizations. In line with
instructions, the money was deposited with the security firm.

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 February 2003.In June last year, we got
call from the security firm informing us that 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
the only one who knew about the deposit at the security firm, and I
not understand why the deceased had not come forward to claim his
I made futile efforts to locate the deceased. I immediately passed the
task of locating him to the internal investigations department of
Life House.Four days later, information started to trickle in,apparently
our client was dead. A person who suited his description was declared
of a heart attack in Canne, 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
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
make the accounts anonymous. This bank also gives the choice to
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 testate. In line with our
processes for account holders who have passed away, we instituted our
investigations in good faith to determine who should have right to claim
the estate. This investigation has for the past months been
have scanned every continent and used our private investigation
companies to get to the root of the problem. It is this investigation
resulted in my being furnished with your details as a possible relative
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 depo!

According to practice, The Security Firm will by the end of this
year broadcast a request for statements of claim to Standard Life
House,failing to receive viable claims they will most probably revert
deposit back to Standard Life House.This will result in the money
the Standard Life Bank accounting system and the portfolio will be out
my hands and out of the private banking division. This will not happen
I have my way.What I wish to relate to you will smack of unethical
practice but I want you to understand something. It is only an outsider
the banking world who finds the internal politics of the banking world
aberrational. The world of private banking especially is fraught with
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 Fifty Million Dollars deposited in
security firm, 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
Standard Life House is concerned,the transaction with our late customer
concluded when I sent the funds to the security firm, all outstanding
interactions in relation to the file are just customer services and due
process. The security 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; you share the same surname With our late client; I am
prepared to place you in a position to instruct The security Firm to
release the deposit to you as the closest surviving relation. Upon
of the deposit,I am prepared to share the money with you in half. That
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
the funds be released to me, but that would have drawn a straight line
me and my involvement in claiming the deposit. But on the other hand,
with the same very name as the original depositor would easily pass as
beneficiary with right to claim. 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 The Security Firm and instruct them to
the deposit to you. With these two things: al!
l is done.The alternative would be for us to have The Security Firm
the funds to another bank with you as account holder. This way there
be no need for you to think of receiving the money from The Security
Company. We can fine-tune this based on our interactions.I am aware of
consequences of this proposal. I ask that if you find no interest in
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
message and forget I ever contacted you. Do not destroy my career
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
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
only come ones' way once in a lifet!
ime. I cannot let this chance pass me by, for once I find myself in to
tal control of my destiny. These chances wont pass me by. I ask that you
do not destroy my chance, if you will not work with me let me know and
me move on with my life but do not destroy me. I am a family man and
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
of this situation, good fortune has blessed you with a name that has
planted you into the center of relevance in my life.Lets share the
blessing.If you find yourself able to work with me, 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
contacting me through my official phone lines nor do I want you
me through my official email account. Contact me only through the
I will provide for you and also through this email address. I do not
any direct link between you and me. My official lines are not secure
as they are periodically monitored to assess our level of customer care
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
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.

Stewart Baculo

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