From: John Michael <johnmic82@37.com>
Subject: HSBC BANK
To:
Date: Sunday, April 5, 2009, 10:24 AM

Name: John Michael

Email: johnmich73@googlemail.com



Good day,

This is a personal email directed to you and I request that
it be treated as such,I know this is an unconventional way
of introducing a big and profitable business deal, but I
however want you to take your time to read my letter
carefully, you will understand the necessity for my action.
I got your email address from the Ministry of Commerce
Directory

I am John Michael, staff of International Private Banking at
HSBC Bank. I am contacting 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 informed of this communication. I would like to
intimate you with certain facts that I believe would be of
interest to you. In 2001, the subject matter came to our
bank to engage in business discussions with our private
banking division. He informed us that he had a financial
portfolio of Forty Eight Million Three Hundred and Fifty
Thousand Unite d States Dollars ($48,350,000.00 USD), which
he wished to have us turn over (invest) on his behalf. I was
the officer assigned to his case; I was 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 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 ten 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 2002, 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 here
in London. I informed him that HSBC 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 boarders has
become especially strict since the incidents of 9/11. I
contacted my affiliate in here in London and made the 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 at the London
based security consultancy firm, Corporate Securities Co.
Corporate Securities Co 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 with Corporate
Securities Co. 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 June 2003. In June last year, we got
a call from Corporate Securities Co informing us that the
activity 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 at Corporate Securities
Co, and I could not understand why the deceased had not come
forward to claim his deposit. I made futile efforts to
locate the deceased. I immediately passed the task of
locating him to the internal investigations department of
HSBC. Four days later, information started to trickle in,
apparently our client was dead. A person who suited his
description was declared dead of a heart attack in Cannes,
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; the deceased died without a testament .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 this investigation that resulted in my
being furnished with your details as a possible relative of
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 deposit.

According to practice, Corporate Securities Co will by the
end of this financial year broadcast a request for
statements of claim to HSBC, failing to receive viable
claims they will most probably revert the deposit back to
HSBC. This will result in the money entering the HSBC
accounting system and the portfolio will be out of my hands
and out of the private banking division. This will not
happen if I have my way. What I wish to relate t o 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. 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 HSBC is
concerned, the transaction with our late customer concluded
when I sent the funds to corporate securities, all
outstanding interactions in relation to the file are just
customer services and due process. Corporate Securities Co
has no single idea of what 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 mans family; they have investigated for months
and have found no family. The investigation has come to an
end. My proposal; you share similar details to the late
fellow; I am prepared to place you in a position to instruct
Corporate Securities Co 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. 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 deceased I will then officially communicate
with Corporate Securities Co and instruct them to release
the deposit to you. With these two things: all is done. The
alternative would be for us to have Corporate Sec unities Co
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 Corporate Securities Co. 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 share the blessing. If you find yourself able to
work with me, contact me through this same email account. 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 you
contacting me through my official phone lines nor do I
wouldn’t you contacting me through my official email
account. Contact me only through the numbers I will provide
for you and also 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 learnt
from my private banking clients. Do not betray my
confidence. If we can be of one accord, we should plan a
meeting, soon.Thank you so much for your time. I look
forward to hearing from you soonest.


I await your response.

John Michael.

N/B
Kindly send your response to my direct email

Address: johnmich73@googlemail.com


HSBC BANK