Thank you for giving me your time, Let me start by introducing my self, I am Mrs. Vivian Yuan a staff of OCBC WING HANG BANK. here in Hong Kong attached in Private Banking Services, I am contacting you concerning a customer and an investment placed under our bank's management; as a matter of fact, it was 7 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. 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 the explanation in my email.
In 2010, the subject matter; Ref: LB/TSB/958/042/0511 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 ( €23,780,426 Euros) Twenty three million, seven hundred and eighty thousand, four hundred and twenty-six euros, 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.
A few months later his attention was needed regarding a business which I was going to discuss with him but I was unable to reach him, 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 funds. 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. There are ( €23,780,426 Euros) Twenty-three million, seven hundred and eighty thousand, four hundred and twenty-six euros deposited, I alone have the deposit details and they will release the deposit to no one unless I instruct them to do so. Also, 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 officially come to an end.
My proposal; I am prepared to place you in a position whereby an instruction is given to the finance firm to officially release the deposit to you as the closest surviving relation/associate, and all etiquette shall be done in accordance with the rule of law, I certainly can guarantee you that. By the common law, the power of bequeathing is coeval with the first rudiments of the law. There is no ruling which prevents an inheritance from being so exhausted by legacies as to render it unworthy of their's acceptance; perfect operation whereby the paperwork shall be coordinated in such a way that your status as a sole beneficiary is confirmed. 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; afterward 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 an 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 but the bank must have same telex type with our bank here in Hong Kong, 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 disregard 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 do not destroy my career this transaction is a lifetime opportunity. 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 changes 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 woman 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, if you give me positive signals, I will initiate this process towards a quick 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. 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 are in line with our Total Quality Management policy, please observe this instruction religiously. Please, again, note I am a Family woman; I happily married with 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.
I want to thank you for your email response, I sincerely appreciate your interest to assist me in this transaction, however I would like to be sure of your willingness, trustworthiness, and commitment to execute this transaction with me, I cannot afford to compromise these virtues because this transaction is highly sensitive, I have my principles which will profit the both of us. I will need you to follow my instruction to enable us to have this transaction completed on time.
I know you might be wondering where I got your email contact but to be honest with you, I got your contact email discretely on the internet during my search for a reliable partner who would be of assistance to me in order to have the funds transferred out, if you read my previous emails properly I have explained why I need your assistance, I did consider what you might think about my kind of person but the risk was worth taken and the fact remains that I cannot transfer the funds in my own name, this is the main reason your assistance as a foreigner is required.
Transferring this money directly to your local bank account in your country will raise red flag and probing which may lead to serious law issues besides all funds transferred out of Hong Kong are all periodically probe depending on the telex type of the bank, transfer between any bank in Hong Kong and any bank outside Hong Kong with the same telex type is seen as in-house transfer it will never be probed or questioned while if both banks have a different telex type the transaction will probe. So for the purpose of this transaction you are going to be setting up an account with a bank that has the same telex type as my bank here in Hong Kong, this is where I will transfer this money to. For our both security this is the best way we are to go. I will give you details on the bank you are to set up an account with later.
Considering the money involved, it is necessary for me to be sure of the person to whom I will be entrusting this transaction, my trust is not given out lightly and I do not expect you to trust me that easy too, so I need to be convinced that you are a matured person with some integrity and I will also prove my integrity to you.
With regards to the legality of this transaction, I want to inform you that the attorney I am using will prepare the affidavits which shall legally put you in place as beneficiary; and will obtain the necessary clearances which will cover all the aspects involved in this transaction from the Hong Kong authorities including the Justice Department. Every document will be done to meet all international beneficiary claim standards and I will be responsible for his payment so don't think about that.
I must also inform you that you will not have to travel to anywhere for any reason because the attorney shall be handling all matters of probate on your behalf, you will be duly represented here by the attorney, he is an accredited lawyer with vast experience in issues of inheritance here in Hong Kong. He will have all the documents perfected, and with these documents, he shall come forward to apply for the immediate release and transfer of the funds to you.
What I expect from you are trust and commitment, I want this large sum of money transferred with your assistance, and as a banker, for many years I know that if we follow up this transaction diligently it would be completed within 10 working days without any question. I will want us to sign a mutual agreement before we commence fully this transaction to remove any form of doubts from our mind so that this will serve as an assurance that the both of us will not betray each other due to the amount of money involve in this transaction and that we will both see this transaction to the end and share the money equally 50/50 as we have agreed upon, so I have signed my part of the agreement paper so I will need you to sign your part also and return back to me so that you can keep a copy of it and you can also keep a copy of it this will verify a mutual agreement between the two of us which will serve as reference purpose.
I want to know if you are willing to follow up this business seriously before I can give you more details about this transaction, as a result
of which I shall be waiting for your response and assurance, you need to be someone whom I can rely upon, at least for absolute commitment.