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Sunday, October 21, 2007

Enquiry from Alan David

From: Alan David -

Good day,

I am Alan David,staff of Cater Allen Private 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 am
contacting 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 the year
2003, 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 Six 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 then, 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 6000traditional 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 One 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 2004, he asked that the money be liquidated because
he needed to make an urgent investment requiring cash payments in
Helsinki- Finland. He directed that I liquidate the funds and deposit
it with a security firm. I informed him that my 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 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 of November 2005.In June last year
2006, we got a call from the security firm informing us about 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
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 Cater Allen.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, in Southern part of France.We were soon enough to identify
the body and cause of death 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 usuallyin 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
present official capacity as the Head of Finance 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,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 Cater Allen, failing to receive viable claims
they will most probably revert the deposit back to Cater Allen.This
will result in the money entering the Cater Allen 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 that 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 Six 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 my Bank is concerned. The 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 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 come 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:I now seek your permission to present you as a next of kin to
the deceased, as all documentations will be carefully worked to make
you the beneficiary to the funds $6m (Six Million United States
Dollars.) ; 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. That is: I will simply nominate you as the next of kin and
have them release the deposit to you. We share the proceeds 60/40.I
would have gone ahead to ask that 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 Cater Allen 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 done. The
alternative would be for us to have The Security 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 Security
Company. We can fine-tune this based on our interactions 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 luck that has planted you into the center of relevance in
my life. Let's share the blessing. If you find yourself able to work
with me, contact me through this 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 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 myself.

My official lines are not secured 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 that 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 learned from my private
banking clients.
Please do notbetray my confidence.

I await your response.

Best regards,
Alan David.
(Cater Allen Private Bank