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Business project

From: Mr.Qin Wang
Subject: Business project
Date: Thu, 26 May 2005 12:22:03 +0200
User-agent: Internet Messaging Program (IMP) 3.2.1

>From Qin Wang
Lloyds TSB Pacific Limited 
Hong Kong Branch
Fax: +852-301-66259
Thank you for giving me your time. Please be patient and read my email   to you.

I am a staff of Lloyds TSB Group attached in Private Banking Services. I am 
contacting you 
concerning a customer and, an investment placed under our banks management 3 
years ago, I 
contacted you independently of our investigation and no one is informed of this 
and I Would like to intimate you with certain facts that I believe would be of 
interest to you.

In 2000, the subject matter; ref: bb/tsb/bank/73 came to our bank to engage in 
discussions with our Private Banking Services Department. He informed us that 
he had a 
financial portfolio of 8.35 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 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 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 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 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 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 20th  June 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 
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 in testate.

What I wish to relate to you will smack of unethical practice but I want you to 
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 
8,370,000.00 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 ,  you share similar details to the late fellow  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 with a similar name as the original 
depositor 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 

The alternative would be for us to have the firm direct the funds to another 
bank with you as 
accountholder. 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 
ones' way 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 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 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 (address@hidden)

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, we should plan a meeting, soon.

I await your response.


Qin Wang

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