From: Yonghong Wan <info@wan.org>
Subject: Good Day!!!
To:
Date: Sunday, February 22, 2009, 12:56 AM

Complement of the day,

 



Thank you for giving me your time. Please be patient and read my email to you.

I am Mrs. Yonghong Wan a staff of Standard Chartered Bank attached in Private

Banking 

services. 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 2004, the subject matter; ref:SSCB/SCB/bank/77 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 23 million United States Dollars, which he

wished to 

have us turn over 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 Service Department, especially given the volume of funds

he 

wished to put into our bank. We meet 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 mid 2005, 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 2006. 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 and I we were inform by the USA

homeland 

security, that he is dead. A person who suited his description was declared

dead of a 

heart attack in Cannes, South of France. 

 



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$ 23,000,000.00 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 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

 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: 

yonghong2456wan@yahoo.com.hk  If you give me positive signals, I will initiate

this 

process towards a conclusion Please observe this instruction religiously.

Please note 

again, I am a happily married with two kids. 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. If we can be of one accord, we should plan a

meeting, 

soon.

 



I await your response.

 

Sincerely,

Yonghong Wan