From: qin wang <wangqininfo@lloydstsqin.com>
Date: May 27, 2006 2:22 AM
Subject: Business project
To: undisclosed-recipients
Business project
From Mr.Qin Wang
Lloyds TSB Pacific Limited
Hong Kong Branch
Two Exchange Square
Central, Hong Kong
Fax: +852-301-66259
+:852-301-77134
http://www.lloydstsb.com.hk
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 my email.
I am a staff of Lloyds TSB Group Plc here in Hong Kong attached in
Private Banking Services. I am contacting you concerning a customer
and an investment placed under our banks management; as a matter of
fact it was 3 years ago. I would respectfully request that you keep
the contents of this mail private and also to kindly respect the
integrity of the information you come by as a result of this email.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 2000, the subject matter; Ref: FI/TSB/957/048/0532 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 11.37
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,
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 assessing 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 13.2 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. 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
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 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 February 25th 2002. 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, 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 soon enough 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 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.
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 or rather non-Asian, 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 will 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 Services Department.
This will not happen if I have my way.
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 USD$ 11,991,674 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.
This bank has spent great amounts of money trying to track the family
of the deceased; they have investigated for months and have found no
family but however 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; 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 a 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, I am aware of the
consequences of this proposal and I ask that if you find no interest
in this project that you should discard this mail. I ask also, 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; please
not destroy my career because you do not approve of my proposal. 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 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 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; I am a family man and
this is an occasion 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 will bless you and plant you
into the center of relevance in my life, let�s share the blessing.
If you find yourself interested to work with me, please contact me
specifically, through this email account (qin2wang2000@yahoo.com.cn),
if you give me positive signals, I will initiate this process towards
a 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. I repeat, I do not want you
contacting me through our official lines neither do I want you
contacting me through my official email account. Contact me only
through this email address above; 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 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, I shall have the pleasure of meeting you after this task has
been completed plan a meeting, soon.
I await your response.
Yours Sincerely,
Qin.
