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Sent: Sunday, February 01, 2009 8:20 AM
Subject: AN OFFER
Good Day,
Greetings to you and your family, I
am a staff of Private Banking Services
here in Bank of China(BOC). I am
contacting you concerning one of our late
customers investment placed under
our banks management 3 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 informed of this
communication. I would like to intimate you
with certain facts that I believe
would be of interest to you.
In 2002, the subject matter; ref:
bb/boc/bank/0012 came to our bank to
engage in business discussions with our
Private Banking Services
Department. He informed us that he had a financial
portfolio of 8.375
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 Services Department,
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 6000 traditional stocks
and bond managers
and 2000 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 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 mid 2004, 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. I informed
him that the 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 incident
of
9/11. I contacted my affiliate in and had the funds
available.
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
9th
October 2004.
In January this year, we got a 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 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 the Bank
of
China. Four days later, information started to trickle in, apparently
he
was dead. A person who suited his description was declared dead 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 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 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 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. The investigation did not ever yield any result 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.
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 will by
the
end of this financial year broadcast a request for statements of claim
to
Bank of China, failing to receive viable claims they will most
probably
revert the deposit back to Bank of China. This will result in the
money
entering the Bank accounting system and the portfolio will be out of
my
hands and out of the Private Banking Services Department. This will
not
happen if 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 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$ 8,375,000.00 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 Bank of China 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.
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 give
instruction
for the release of 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. 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. 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 customer I will then officially communicate with the firm 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 and 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 myself
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
ones'way once in a lifetime. I cannot let
this chance pass me by, for once I
find myself in total control of 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 family man
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, kindly 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 you contacting me through
my
official phone lines nor do I want you contacting me through my
official
email account. 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. 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 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, send me your response on
this email to enable us commences this
line of discussion.
Best
regards,
Wang Yan.
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If you received a similar letter, please ignore it. Do not answer it.
If you do, you will end up on more of the mailing lists used by the
criminals behind this fraud. Read more.... |
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