From: ISSA KAMARA
Subject: PROPOSAL
Email:issa_kamara4@yahoo.fr
Dear Friend:
I am ISSA KAMARA, a managing director and head of international private
banking at Loita Capital Partners International (LCPI), the private banking
arm of Versus bank, Abidjan - Cte d'Ivoire. I am contacting you concerning a
deceased customer, and an investment he placed under our banks management 3
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 contact you independently 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 2004, 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 30.7 million British Pounds Sterling, 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 6 million
British Pounds Sterling, this margin was not the full potential of the fund
but he desired low risk guaranteed returns on investments. In mid 2005, he
asked that the money be liquidated because he needed to make an urgent
investment requiring cash payments. He directed that I liquidate the funds
and have it deposited with a security firm.
I informed him that Loita Capital Partners International (LCPI) 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. Large cash movements have become especially
strict since the incidents of 9/11. I contacted my affiliate and had the
funds available as he had requested. I undertook all the processes and made
sure I followed his precise instructions to the letter and had the funds
deposited with a security consultancy firm in EUROPE as he had directed.
This security firm is an especially 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 them. He told me he wanted the money there in
anticipation of his arrival from France later that week. This was the last
communication we had, this transpired around 25th February 2005.
In October last year, we got a call from the security company 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 at the
security company, and I could not understand why our client had not gone
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. Four days later, information started to trickle in, apparently
our man was 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 confirm
all of this including cause of death. 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 even 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; our now deceased client 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 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 because of the similarity in
your last names. 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.
It is quite clear now that our dear fellow died with no known or
identifiable family members. 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
company will by the end of this year broadcast a request for statements of
claim to Loita Capital Partners International (LCPI), failing to receive
viable claims they will most probably revert the deposit to Loita Capital
Partners International (LCPI). This will result in the money entering the
Loita Capital Partners International (LCPI) Private Bank 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 sit
upon certain chairs and oversee certain portfolios. You should have begun by
now to put together the general direction of what I propose. There is
30,700,000.00 pounds deposited in a security company. 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 Loita Capital
Partners International (LCPI) Private Bank is concerned, the transaction
with the late customer concluded when I sent the funds to the security
company all outstanding interactions in relation to the file are just
customer services and due process. The security company has no single idea
of what's the history or nature of the deposit. They are simply awaiting
instructions to release thedeposit to any party that I may direct. 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 am prepared to instruct the
security company 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. 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 our late client. I will then officially communicate with the
security 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
security company 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 directly from the security company as it is not a conventional
financial institution; they accept deposits from only organizations thus;
what you hand over to them is what you get back. They do not have the means
to process the money.
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 bankers who
have made a tidy sum 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. This chance does not 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. If you give me positive signals, I will give you the
relevant details and 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 my email
account: issa_kamara4@yahoo.fr
I do not want any direct link between you and I. 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 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. Do not betray my confidence.
I await your response.
Yours Sincerely,
ISSA KAMARA.
issa_kamara4@yahoo.fr
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