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reply immediately

From: steve_kelly
Subject: reply immediately
Date: 27 Sep 2004 11:42:35 -0000


I am Steve Kelly, staff of SMITH & WILLIAMSON Private


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 2000, 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 Thirty 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 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 advise 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 2001, 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. I informed him that SMITH & WILLIAMSON

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 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

with the security firm. The Security 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 with the

security firm.

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 February 2003.In June

last year, we got a call from the security firm

informing us that the inactivity of that particular


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 the security firm, 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 SMITH


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

Canne, 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


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

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 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, The Security Firm will by

the end of this 

financial year broadcast a request for statements of

claim to SMITH & WILLIAMSON,failing to receive viable

claims they

will most probably  revert the deposit back to SMITH &


This will result in the money entering the SMITH &


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

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  Thirty million 

dollars deposited in a security firm, 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 SMITH & WILLIAMSON is concerned,


transaction with our late customer concluded when I

sent the funds to the security firm, all

outstanding interactions in relation to the file are

just customer services and due process. The security


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 the same surname With our late

client; I am prepared to place you in a position to

instruct The security 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. 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 the same very name as the

original depositor would 

easily pass as the beneficiary  with right to claim. 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

The Security Firm and instruct them to release

the deposit to you. With these two things: all is


The alternative would be for us to have The Security


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 Security Company. 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 wont 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.

Lets share the blessing.If you find yourself able to

work with me, contact me through this email

account steve_kelly@coolkiwi.com 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 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


This is the one truth I have learned from my private

banking clients. Do not betray my confidence.

Kindly send your response to my private email address

I await your response.

Steve Kelly.

Mail sent from WebMail service at NetMag.net.pk

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